Search our database of 1179 randomized evaluations conducted by our affiliates in 95 countries. To browse summaries of key policy recommendations from a subset of these evaluations, visit the Policy Publications tab.

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Determinants of Delinquency: A Field Experiment in the Philippines

Laura Burke
Nassereena Sampaco-Baddiri
Mark Miller
Jacob Geray
Researchers found that both individuals with higher moral standards and individuals who were the least naïve displayed lower default rates than other groups. They also found that survey-based social capital measures did not predict loan default for these individual loans, contrary to the results...

Moral Incentives: Experimental Evidence from Repayments of an Islamic Credit Card

Stefano Fiorin
Daniel Gottlieb
Martin Kanz
Researchers partnered with a large Indonesian Islamic bank to evaluate the impact of sending moral appeals in reminder text messages to late-paying credit card holders. Messages stating that non-repayment of debts by someone who is able to repay is an injustice increased the number of clients...

Information vs. Inspiration: How Does Financial Literacy Training Affect Savings Behavior?

David McKenzie
Aakash Mohpal
Researchers conducted a randomized evaluation to test whether encouraging entrepreneurs to raise their aspirations helped them improve their financial decisions and outcomes. The aspirations training led individuals to set higher savings goals, but most participants failed to achieve their goals.

Cumulative Impacts of Conditional Cash Transfer Programs: Experimental Evidence from Indonesia

Nur Cahyadi
Rizal Adi Prima
Elan Satriawan
Ekki Syamsulhakim
Researchers examined the medium-term impacts of a large-scale CCT program on health, education, and economic outcomes in Indonesia. Six years following the introduction of cash transfers, the program resulted in reductions in stunting, increased rates of childbirth in the presence of trained birth...

Branchless Banking Agents’ Profile, Limitations, and Potential for Agent Network Expansion and Improvement”

Gianmarco León-Ciliotta
Researchers conducted a randomized evaluation in East Java, Indonesia to investigate the impact of the level and transparency of financial incentives on the take-up of these new banking services. They found that larger incentives caused an increase in take-up, but only when the incentives were not...

Investigating the effect of household knowledge of welfare programs eligibility criteria to their investment behaviors

Researchers partnered with the Government of Indonesia to conduct a randomized evaluation that tested whether adding questions on flat-screen televisions and cellphone SIM cards to a targeting census would change people’s reporting and actual purchases of those items. The findings suggest that while...