Evaluations

Researchers evaluated the impact of a voluntary commitment savings program that allowed individuals to deposit a self-selected amount of their own money that would be forfeited if they did not quit smoking within six months. Results suggested that individuals who were offered the program were much...

Researchers evaluated the effect of (a) simple text message reminders and (b) financial incentives on borrowers' loan repayment. These methods had similarly positive effects, which suggests that the text message reminders may be a more cost-effective intervention. The reminders proved particularly...

In Malawi, researchers analyzed whether fingerprinting borrowers from a microfinance institution would have an effect on repayment rates. Using fingerprinting for loan enforcement increased repayment by 40 percent among Malawian farmers with the highest default risk.

In collaboration with PRISMA, a Peruvian NGO offering credit through village banks, researchers designed and implemented a new loan product, which required new clients to be sponsored by existing clients, to measure the relative importance of social networks and prices for borrowing in shantytowns...

Researchers evaluated the effect of personalized options information on seniors' plan choices. They found that people who received personalized information were more likely to change plans, resulting in an average saving of US$100 per year. This suggests that direct information delivery can decrease...