Evaluations

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...

This evaluation examined the direct impact of providing small consumer loans to marginally creditworthy individuals in South Africa on their credit access, investment, and well-being, as well as the profitability of these loans for lenders. Results found approving loans for marginally creditworthy...

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...

Researchers used a randomized evaluation to measure the impact of introducing credit scores on lending to small enterprises in Colombia. The adoption of credit scores increased productivity in the loan approval process and improved credit allocation.

Researchers are conducting a randomized evaluation to test the impact of providing microloans for housing to the underprivileged in the Menia governorate on the improvement of families' well-being.

Researchers partnered with a large payday lender in Indiana to conduct an evaluation to better understand consumers’ decision-making. The results suggest that average borrowers can anticipate their probability of taking loans in the future. However, people focus too much on the present when making...