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Browse news articles about J-PAL and our affiliated professors, and read our press releases and monthly global and research newsletters. For media inquiries, please email us.

Borrower Responses to Fingerprinting for Loan Enforcement in Malawi

In Malawi, researchers analyzed whether fingerprinting borrowers from a microfinance institution would have an effect on repayment rates. Using fingerprinting for loan enforcement increased repayment by 40 percent among Malawian farmers with the highest default risk.

Providing Endowments to Improve Bargaining Outcomes for Microentrepreneurs in Ghana

Gisella Kagy
Lena Song
Researchers randomly provided more or less cash to garment-making firm owners in Ghana before a bargaining game to evaluate the impact of endowment on the negotiated sale price of a good. Owners of garment-making microenterprises with lower household liquidity agreed to lower sale prices during the...

Providing School Report Cards to Improve Quality and Pricing of Education in Pakistan

In this study, researchers introduced report cards with child and school test scores to evaluate the impact on public and private schools’ cost, performance, and enrollment. The program reduced private school fees, improved test scores, and increased primary school enrollment.

Housing Lottery to Increase Demand for Formal Government Housing and Improve Welfare in Ethiopia

In low- to middle-income countries around the world, nearly one billion people lived in urban informal settlements as of 2018. Rapid urbanization in most large African cities has led to both more people and a higher proportion of people living in informal settlements over time. Researchers conducted...

Training and Access to Capital for High-Potential Entrepreneurs to Foster Economic Growth in Colombia

Small and medium enterprises (SMEs) are thought to be important drivers of growth in developing economies, but entrepreneurs in these countries face many barriers, including poor access to training, finance, and business networks. In Colombia, Fundación Bavaria’s “Destapa Futuro” (Open the Future)...

Information Disclosure, Cognitive Biases, and Payday Borrowing in the United States

Adair Morse
Researchers provided payday borrowers in the United States information about the true costs of payday loans in order to find out whether they would respond by changing their demand for the product. Better informed individuals reduced their demand significantly, suggesting that getting consumers to...

Providing Credit Information to Borrowers to Improve Repayment in Guatemala

Researchers ran a large randomized credit information training program that described the existence and workings of the bureau to the clients of this lender. The results indicate that the credit bureau generated large efficiency gains for the lender, and that these gains were augmented when...