Evaluations

Researchers studied the effects of a credit card interest rate increase among low-income subprime borrowers in the UK to assess its impact on credit card demand, overall indebtedness, and borrowers’ ability to pay. They found that following the rate hike, subprime borrowers who appeared to be more...

Researchers conducted a randomized evaluation to determine whether PLS programs encouraged opening and use of bank accounts in Mexico. The lottery incentive increased the number of bank accounts opened, and accounts opened because of the PLS program were just as likely to be used as accounts opened...

Researchers conducted a randomized evaluation to test the impact of a financial literacy interactive voice response campaign on loan outcomes. The intervention boosted knowledge and slightly improved loan repayment, but it also raised loan demand, increasing the overall risk of default.

Researchers evaluated the impact of bank accounts that allowed mobile deposits on savings behavior in Sri Lanka. Few account holders used the service frequently, even when offered for free. Mobile-linked accounts increased savings deposits with the partner bank and formal banks more generally but...

In Liberia and Malawi, researchers partnered with Innovations for Poverty Action, GiveDirectly, and USAID to evaluate the impact of an unconditional cash transfer and market access program on food security, spending, income, resilience to health shocks, intimate partner violence, and psychological...

Researchers collaborated with Fundación Capital and the Government of Colombia to conduct a randomized evaluation of LISTA, a tablet-based financial education program designed for participants in Colombia's government CCT program, to study its impact on financial knowledge and behavior. LISTA had...

In Rarieda, Kenya, researchers conducted a randomized evaluation to measure the impact of GiveDirectly’s UCT program on poor rural households’ economic and psychological well-being. Results demonstrated that the program had significant welfare-improving impacts, both economically and psychologically...

In India, researchers conducted a randomized evaluation to test how the provision of rainfall index insurance affected farmer production decisions, focusing on the decision to grow cash crops. They found that providing insurance led farmers to shift production towards higher-risk, higher-return cash...