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Displaying 17-24 of 26

CARES Commitment Savings for Smoking Cessation in the Philippines

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...

Commitment Savings Products in the Philippines

Researchers designed and implemented a commitment savings product called a SEED (Save, Earn, Enjoy Deposits) account, which restricted access to savings, thus potentially helping with either self-control or family-control issues. After one year, the commitment savings product led to increased...

Text Message Loan Repayment Reminders for Micro-Borrowers in the Philippines

In “the text message capital of the world,” the Philippines, researchers tested the effect of text message reminders on client repayment rates. In contrast with previous research, they found that text message reminders did not increase repayment on average. Yet for repeat borrowers, who had known...

Financial Education vs. Access to Finance Among Filipino Migrants

Paolo Abarcar
Rashmi Barua

International remittances are an important financial tool for many developing countries, and many organizations offer financial products or financial education services to help families manage the remittances they receive. Researchers provided families with financial products and financial education...

Spousal Control and Intra-Household Decision Making in the Philippines

Researchers designed a field study to identify how information and communication affect intra-household decisions. They found that Filipino spouses who don't control the household spending and savings decisions deposit money into their own accounts in private settings and commit it to consumption...

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

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...

Group Versus Individual Liability in the Philippines

Xavier Giné
In this study, researchers randomly selected existing group-lending centers to convert to an individual liability model. They found no difference in repayment rates between individuals assigned individual liability and those assigned group liability, no change in overall profitability for the bank...