Credit-building loan products (CBLs) have begun to proliferate in the U.S. marketplace, but there is little evidence on the effects of these products on consumers and lenders. IPA and RAND worked with researchers to evaluate the impacts of a CBL offered at a credit union in Missouri, both alone and coupled with financial education. While on average CBLs did not affect credit scores, they increased the likelihood of having a credit score and improved credit scores for individuals who did not have loans at the beginning of the study

Researchers examined the impact of a mentoring program on high school students' academic achievement, job market knowledge, and career-related goals. The program changed students' academic ambitions, but had no impact on their professional plans, knowledge about the professional world, or motivation for schoolwork.

Through a randomized evaluation, researchers examined the effects of partisan mail campaigns on voter turnout in state and municipal elections in Connecticut and New Jersey. Results indicate that partisan direct mail campaigns do little to stimulate voter turnout.

In France, researchers examined the effect of job-related mentoring and support for university students from low socio-economic backgrounds on their chances of finding employment after graduating. The program did not result in improved job search efforts, greater employment prospects, or better jobs.

Researchers partnered with BRAC to evaluate their multi-faceted livelihood program known as the Graduation Approach, which aims to encourage occupational change among women living in extreme poverty. The Graduation Approach enabled these women to shift away from seasonal casual wage labor and into livestock rearing, leading to an increase in earnings and a reduction in extreme poverty.

Researchers evaluated the impact of a program in Sierra Leone called Empowerment and Livelihood for Adolescents (ELA) that aims to address this problem by bundling health education, vocational skills training, and micro-credit. Researchers found that, while girls experienced higher teen pregnancy and lower school attendance post-Ebola, ELA clubs mitigated many of these negative effects.

In Uganda, researchers examined the impact of a combination of life skills and vocational training on adolescent girls’ engagement in income-generating activities, control over their bodies, and aspirations. The bundled provision of hard vocational and soft life skills training led to substantial advances in economic empowerment and control over the body for adolescent girls, which persisted for four years.

In partnership with the Chilean National Fish Service (Sernapesca), researchers conducted a randomized evaluation to test the impact of enforcement visits to fish markets and a consumer information campaign on the illegal sale of hake fish. They found that both the information campaign and enforcement visits reduced hake availability and consumption.

Identifying high-potential microentrepreneurs in low-income countries remains a challenge due to lack of verifiable information. Researchers conducted a randomized evaluation to test the value of community knowledge in identifying high-potential microentrepreneurs.

The City of Chelsea implemented a cash transfer program called Chelsea Eats, which provided eligible households with up to US$400 per month for nine months. Researchers conducted a randomized evaluation on the impact of the unconditional cash transfer on health care utilization and a variety of health outcomes. Those who received the cash transfer had fewer emergency department visits, including those related to behavioral health or substance use, fewer admissions to the hospital from the emergency department, and more outpatient visits to subspecialists than those who did not receive the cash transfer.

Researchers, in partnership with the São Paulo Education Secretariat, conducted a randomized evaluation in ninth grade classrooms to investigate the mechanisms driving the effects of communicating with parents on education outcomes.

Researchers partnered with a local organization in Malawi to randomly vary the wages offered in a rural cash-for-work program, and evaluate the impact of wages on participants’ willingness to work. They found that nearly three-quarters of participants were willing to perform agricultural work even at very low wages and that wages had a limited impact on most participants’ decision to work.