Evaluations

Researchers conducted a randomized evaluation to investigate the demand for commitment savings products or financial counseling, and the impacts these products and services have on savings, among a sample of low- and moderate-income credit union members in New York City.

Working closely with a highly profitable consumer lender in South Africa, researchers sought to determine the effects of advertising content, price, and offer deadlines on loan take up. They found the marketing had significant effects on loan take up, but not on loan amount or default rates. Clients...

In South Africa, researchers evaluated whether people have enough information to identify reliable borrowers among their peers and if they can help enforce loan repayment. They found that when given incentives, peers were not effective at screening for creditworthiness, but they were effective at...

Researchers worked with Bank Rakyat Indonesia and the Microfinance Innovation Center for Resources and Alternatives to measure the impact of incentives and financial education on savings account take-up. Results indicated that the financial education program was not an effective tool for promoting...

Researchers tested the assumption of price inelastic demand using a randomized evaluation in South Africa. The results suggest that the demand curves were downward sloping, and steeper for price increases relative to the lender’s standard rates. Researchers also found that loan size was far more...

Researchers measured the impact of different interest rates loan take-up, amount, and repayment rates among female clients of Compartamos Banco in Mexico. Lower interest rates led to an increase in the number of loans issued, loan amounts, and new borrowers but did not increase profits in the short...

Researchers in Uganda assessed the impact of VSLAs on access to financial services, income, food security, and education.