Blog

News

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.

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...

Secured Transaction Reform to Increase Access to Capital for Small and Medium Enterprises in Colombia

Entrepreneurs in developing countries face a number of barriers to expanding their businesses and employing more workers, including limited access to credit and other financial services. In Colombia, researchers are investigating whether a regulatory reform that allows small and medium enterprises...

Changing Financial Incentives for Medicare Providers to Encourage Home Dialysis in the United States

Liran Einav
Yunan Ji
Researchers analyzed the impact of a new reimbursement model to incentivize end-stage kidney disease providers and facilities to provide home dialysis on home dialysis rates. During the first year of the study, there was no statistically significant difference in home dialysis rates between hospital...

Providing Foodstuffs and Cash Loans to Improve Smallholder Farming in Zambia

Gunther Fink
In Zambia, researchers examined the impact of access to seasonal credit on farming households’ consumption, labor allocation, and agricultural output. The results suggest that access to food and cash loans during the lean season increased agricultural output and consumption, decreased off-farm labor...

The Impact of Free Tuition Program Design on College Applications and Enrollment in the United States

Elizabeth Burland
Katherine Michelmore
Stephanie Owen
Shwetha Raghuraman
Researchers investigated how two different free tuition programs for low-income students affected application and enrollment to the University of Michigan. An unconditional offer substantially increased application and enrollment while a conditional offer had a much smaller effect on applications...