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Graduating the Ultra-Poor in Peru

Bram Thuysbaert
Researchers evaluated a multi-faceted approach aimed at improving long term income of the ultra-poor in Peru. They found that the approach had long-lasting economic and self-employment impacts and that the long-run benefits, measured in terms of household expenditures, outweighed their up-front...

Limited Insurance Within the Household in Kenya

Researchers examined whether intra-household risk-sharing mechanisms such as financial transfers between spouses operate efficiently in Western and Nyanza Provinces of Kenya and found that intra-household insurance to protect against economic shocks was inefficient among daily income earners.

Impacts of Subsidized Entrepreneurship Training in the United States

Subsidizing entrepreneurship training in the United States did not improve access to training services or promoted employment among groups affected by discrimination.

Free versus Paid Distribution of Health Products in Uganda

In northern Uganda, researchers found that free distribution of three health products led to lower demand for the same products when they were later offered for sale, highlighting the importance of product characteristics in determining pricing policy.

Reducing Transaction Costs in Charitable Giving in Germany

Steffen Huck
Researchers partnered with the Bavarian State Opera House in Germany to evaluate the impact of a variety of communications strategies on the frequency of donations. They found that including a pre-filled bank transfer form in the letter substantially increased the response rate, perhaps because this...

Borrower Responses to Fingerprinting for Loan Enforcement in Malawi

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.

The Impact of Credit Scores on Lending in Colombia

Ximena Cadena
Alexandra Cristea
Héber M. Delgado-Medrano
Daniel Paravisini
Researchers examined whether small incentives and short-term goals could encourage Colombian loan officers to stop procrastinating. Under the new incentive structure, loan officers spread their work more evenly throughout each month, and they met a much greater percentage of their monthly targets.