Le secteur Finance de J-PAL mesure l’impact de services, produits et procédés financiers novateurs, et vise à établir dans quelle mesure l’accès aux services financiers permet de réduire la pauvreté et de stimuler le développement économique. 
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Policy Publication

Winners and Losers: The Benefits and Dangers of Credit

Providing large loans to small businesses in Egypt had no impact on profits for the average borrower, but entrepreneurs predicted in advance to be top performers saw much higher returns than their peers.

Policy Insight

Microcredit: Impacts and promising innovations

Findings on the impacts of microcredit continue to evolve. Early evidence from randomized evaluations in low- and middle-income countries showed that the classic microcredit model did not lead to transformative impacts on income or consumption for the average borrower across many contexts. However...

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Information Campaigns to Increase Mobile Banking Adoption in Ghana

In Ghana, researchers worked with a bank that provides services to low-income customers with limited access to mainstream banking to evaluate the impact of sending pre-recorded informational voice calls and text messages on the adoption of mobile banking. Clients that received messages encouraging...


Digital wages can make fintech inclusive

A study conducted by J-PAL affiliate Emily Breza in Bangladesh found that paying low-earning manufacturing workers digitally through a mobile banking service helps them improve their spending habits and gain more trust in banking systems while allowing them to learn more about finance technology.


Flexible Loan Contracts for Microentrepreneurs in Bangladesh

In Bangladesh, researchers partnered with BRAC to evaluate the impact of repayment flexibility in loan contracts for microentrepreneurs.  Repayment flexibility benefited traditional microfinance borrowers primarily through the provision of insurance, enabling riskier investments at lower default...

Sector Chairs

Co-chair/chaire, Finance

Frederic E. Abbe Professor of Economics

Harvard University

Sector Contacts

Senior Manager of Initiatives, J-PAL Global

Tyler Spencer

Policy Manager, J-PAL Global