Evaluations

Researchers leveraged data from a randomized evaluation conducted by a large bank in Mexico to test the impact of varying credit card contract terms on loan default, card cancellation rates, and bank revenue for first-time formal sector borrowers. Variations in the interest rate and minimum payment...

Altruistic individuals may hesitate to give when they doubt the quality of a charity, but knowing that a high-profile donor supports the charity might alleviate these concerns. Researchers evaluated the impact of publicizing a matching grant from the Bill and Melinda Gates Foundation (BMGF) on...

Credit-building loan products (CBLs) have begun to proliferate in the U.S. marketplace, but there is little evidence on the effects of these products on consumers and lenders. IPA and RAND worked with researchers to evaluate the impacts of a CBL offered at a credit union in Missouri, both alone and...

Researchers conducted a randomized evaluation testing the impact of monthly cash transfers of $1,000 to low-income individuals in Texas and Illinois on household expenditures, debts and assets, and financial health. The study found that receiving the cash transfer increased spending by $310 per...

In this randomized evaluation, researchers evaluated the impact of a medical debt relief program (that buys and relieves a portion of individuals’ medical debt) on measures of mental and physical health, health care utilization, and financial well-being—including financial distress, credit score...

Researchers added school-quality information onto housing listings on the AffordableHousing.com (formerly GoSection8) website, the largest provider of housing listings for HCV recipients, to evaluate the impact on families search for housing and their residential locations. The researchers found...

Researchers conducted a randomized evaluation to test the impact of introducing a pay-as-you-go car insurance contract, which reduces minimum purchase requirements, to uninsured drivers in California. Applicants who were offered this type of insurance were nearly twice as likely to purchase car...

This study examines how reminders to file taxes affect tax filing decisions among low-income individuals who did not appear on a filed tax return. The results of two randomized evaluations demonstrate that one-time reminders increase tax filing—both to claim tax refunds as well as to voluntarily pay...