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Policy insight
Teaching business skills to support microentrepreneurs
Traditional business skills training programs lead to modest increases in microentrepreneurs’ profits and sales. Alternative training programs can lead to larger impacts, but some programs require more definitive evidence of their effectiveness.
Policy insight
Digital financial services to improve formalized access and inclusion
Digital financial services have dramatically improved access to formal accounts, especially for marginalized communities. Increased access to digital services has led to a reduction in remittance transaction costs, which has facilitated sharing of financial burdens and alleviated poverty.
Evaluation
Information Campaigns to Increase Mobile Banking Adoption in Ghana
In Ghana, researchers worked with a bank that provides services to low-income customers with limited access to mainstream banking to evaluate the impact of sending pre-recorded informational voice calls and text messages on the adoption of mobile banking. Clients that received messages encouraging mobile banking were more likely to use mobile banking services and repay loans on time, while clients that received messages encouraging savings only had no measurable change in behavior.