Le secteur Finance de J-PAL mesure l’impact de services, produits et procédés financiers novateurs, et vise à établir dans quelle mesure l’accès aux services financiers permet de réduire la pauvreté et de stimuler le développement économique. 
A man works at a spice stall
Policy Publication

Winners and Losers: The Benefits and Dangers of Credit

Providing large loans to small businesses in Egypt had no impact on profits for the average borrower, but entrepreneurs predicted in advance to be top performers saw much higher returns than their peers.

Woman making digital financial service transaction
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 risk-sharing and alleviated poverty.

Policy Insight

Microcredit: Impacts and promising innovations

Findings on the impacts of microcredit continue to evolve. Early evidence from randomized evaluations in low- and middle-income countries showed that the classic microcredit model did not lead to transformative impacts on income or consumption for the average borrower across many contexts. However...


Flexible Loan Contracts for Microentrepreneurs in Bangladesh

In Bangladesh, researchers partnered with BRAC to evaluate the impact of repayment flexibility in loan contracts for microentrepreneurs.  Repayment flexibility benefited traditional microfinance borrowers primarily through the provision of insurance, enabling riskier investments at lower default...

Sector Chairs

Co-chair/chaire, Finance

Frederic E. Abbe Professor of Economics

Harvard University

Sector Contacts

Tyler Spencer

Policy Manager, J-PAL Global