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Flexible Repayment Schedules for Dairy Clients in India

This evaluation studies the effects of flexible repayment schedules on borrowers’ investment level, consumption, and loan default in the dairy industry in India.

Online Job Portals and Firm Hiring in India

Firms in low- and middle-income countries tend to hire mainly from referral networks, which may limit hiring. Online job portals can expand recruitment networks, but firms may be hesitant to hire unfamiliar candidates outside of their network. Researchers partnered with an online job portal in India...

Savings Account Labeling and Financial Literacy Training for Susu Customers

In this evaluation, researchers seek to understand if a purely psychological savings product, which encourages customers to earmark account funds for a specific financial goal, increases savings rates. Preliminary results found that customers with a labeled Susu savings account have more total...

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...

Evaluating Village Savings and Loan Associations in Uganda

Beniamino Savonitto
Bram Thuysbaert
Researchers in Uganda assessed the impact of VSLAs on access to financial services, income, food security, and education.

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...

Reducing Energy Consumption and Greenhouse Gas Emissions through Energy Efficient Retrofits: Evidence from Low-Income Households

Researchers evaluated the impact of a residential energy efficiency program on energy savings and carbon emissions in the United States. They found that energy savings equaled only about half of the upfront cost of the program, which were far less than projected.

Constraints to Saving for Health Expenditures in Kenya

Researchers introduced four savings devices to estimate the relative importance of different potential barriers to health savings. Results indicate that just providing a safe place to keep money led to a large increase in health savings. These results suggest that simply labeling funds for a...