Policy Insights

What have we learned from randomized evaluations that policymakers, practitioners, and funders can use to improve social programs? J-PAL’s Policy Insights, organized by sector, highlight lessons emerging across multiple studies and the mechanisms that help explain the results.

J-PAL’s Sector Chairs and staff draw these insights from relevant randomized evaluations, updating and adding insights as the body of evidence grows. Each Policy Insight briefly summarizes their perspective on the evidence on a specific topic, with links to the original research and policy summaries. Read this blog post for more information about how we develop Policy Insights.

When combined with a detailed understanding of context and program implementation, we hope these insights can be practical inputs for policy and program design. For examples of how insights from randomized evaluations have informed policy, visit our Evidence to Policy page.

Man and woman at ATMs

Reducing the costs of saving

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High costs associated with formal bank accounts are often cited as a key obstacle for low-income households to save in formal financial institutions, but lowering the cost of savings does not consistently increase savings flows, likely due to a multitude of other barriers. Given the positive welfare...
Cash transfer in Kenya

Using cash transfers to improve child health in low- and middle-income countries

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Cash transfer programs conditional on the use of health products and services generally increase uptake and improve child health outcomes among households that receive them. Cash transfers that increase uptake of healthy behaviors in the short term can improve cognition and educational outcomes in...
A small business owner in Colombia.

Reducing the cost of lending to low-income borrowers

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Product and market innovations that generate more information about borrowers, reduce transaction costs, and encourage repayment all address factors that contribute to the high cost of microcredit in low- and middle-income countries.

Microcredit: impacts and limitations

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Evidence from randomized evaluations in low- and middle-income countries shows that giving small loans in the form of microcredit did not lead to transformative impacts on income or long-term consumption on average, but it did help households better manage financial choices. Demand for many of the...
People holding goats by leashes

Building stable livelihoods for the ultra-poor

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A multifaceted livelihood program that provided ultra-poor households in seven low- and middle-income countries with a productive asset, training, regular coaching, access to savings, and consumption support led to large and lasting impacts on their standard of living.