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News, ideas, and analysis from J-PAL staff and affiliated professors. Subscribe to our newsletter to receive monthly email updates.

VO secretary and members endorsing a beneficiary enterprise plan

Lessons from the field: How last-mile agents are delivering the largest government-led scale-up of the Graduation Approach

A cadre of 5,000 Master Resource Persons (MRPs) has been working in the Indian state of Bihar to implement the Government of Bihar’s Satat Jeevikoparjan Yojana (SJY), an adaptation of the Graduation Approach.
Participants at South South Learning Journey event

Building effective social protection programs through government and researcher partnerships: Reflections from a MENA-SEA South-South Learning Journey

In a critical moment for global social protection systems, policymakers from Egypt and Indonesia recently came together in Jakarta for the groundbreaking event, South-South Learning Journey.
A woman working in a leather textile shop.

Expanding access to financing for SMEs

Access to finance is critical for firms to grow, innovate, and create jobs that help workers escape poverty. However, small- and medium-sized enterprises (SMEs) worldwide are often underserved by financial institutions. In this blog, we explore early findings on SME financing for policymakers...
A craft store employee in Cianjur, West Java.

Using alternative data and artificial intelligence to expand financial inclusion: Evidence-based insights

Firms using innovative credit-scoring (ICS) have emerged to help banks and peer-to-peer lenders predict potential borrowers’ likelihood to repay a loan. In contrast to traditional credit scoring models that use credit history, ICS uses artificial intelligence to evaluate data unrelated to a borrower...

Graduation approach: Updated insights and best practices at scale

Recently, J-PAL updated its Policy Insight on the Graduation approach, in addition to a guide outlining key lessons from the large-scale adaptation of the graduation program, Satat Jeevikoparjan Yojana (SJY) by the State Government of Bihar in India.
A group of five women stand in front of a historical fort.

Affiliate Spotlight: Simone Schaner on lessons learned from advancing evidence-based policy

Simone Schaner is an associate professor (research) of economics at the University of Southern California and co-chair of the Inclusive Financial Innovation Initiative. Simone’s interests revolve around decision-making processes within households, especially related to financial access, health care...
Participants sitting at table at J-PAL SEA’s learning collaborative forum in Indonesia

Accelerating financial inclusion in Indonesia through innovations in digital financial services: Early learnings from exploratory and pilot studies

On 26 January 2023, IFII hosted a learning collaborative to share insights from exploratory and pilot studies to inform policy and decision-making in the digital financial inclusion space. Speakers and participants from government agencies, nonprofit organizations, and the private sector had the...
African women in a local market doing a digital transaction.

Digital IDs and e-payments in Africa: Consolidating what we (don’t) know (yet)

Digital identification (ID) can improve targeting and reduce leakages of government programs, while also enabling citizens to participate in the digital economy. However, digital ID systems can also lead to exclusion of vulnerable groups. The implementation of digital ID systems may be particularly...