The Oregon Health Insurance Experiment found that covering the uninsured with Medicaid increased the use of health care, including primary care, hospitalizations, and emergency room visits; diminished financial strain; and reduced depression. There was no statistically significant impact on physical health measures, employment, or earnings.
If microcredit, as traditionally implemented, is being done just as well by for-profits, where to for non-profits? Dean Karlan lays out three important roles that non-profits can play in the financial inclusion arena.
Changing the market for environmental audits to incentivize accurate reporting in Gujarat, India made auditors more likely to report the truth about industrial plants’ pollution levels. In response, industrial plants polluted less.
In Chile, showing eighth grade students a video about financial aid for higher education resulted in increased school attendance and increased enrollment in college-preparatory schools, but not in higher grades. See in: Spanish