Evaluations

A randomized evaluation in rural Kenya found that offering higher short-term interest rates on a savings account substantially increased bank account use two and a half years for after the promotional rate ended. Offering the interest rate promotion on individual bank accounts also increased...

In partnership with Family Bank of Kenya, researchers evaluated the impact of providing free ATM card to couples on savings account use. Providing ATM cards significantly increased the use of savings accounts owned by men and joint accounts on average, but had no effect on accounts owned by women or...

Researchers analyzed the introduction of microcredit programs in parts of rural Ethiopia to evaluate the effect of improved credit access on economic and social outcomes. They found that introducing microcredit programs increased the frequency of borrowing and amount borrowed by rural households in...

Researchers compared the impacts of providing group- or individual-liability loans to women in rural Mongolia. Access to group loans increased business ownership and food consumption among poor women, while individual loans had no effect on these outcomes.

Researchers partnered with the largest public bank in Guatemala to measure the impact of light-touch financial products, such as reminders and suggested ‘default’ savings contribution levels, on the savings behavior of microfinance borrowers. Clients who were prompted to save through default...

Researchers examined the effects of free savings account access on savings account use, indebtedness, consumption, and well-being. Easy access to savings accounts reduced participants’ reliance on borrowing, helped them manage fluctuations in income, and increased their self-reported well-being.

In Peru, researchers are conducting a randomized evaluation to measure the impact of an SMS reminder campaign on the frequency of credit report checks, credit scores, total debt levels, and interest rates paid on debt.

Researchers conducted a randomized evaluation to test the impact of paying workers on a weekly basis or in one lump sum, as well as of receiving payments in contexts with greater temptation to spend, on their spending and investment decisions. Workers assigned to receive lump-sum wages were more...