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Supplementing Savings Groups with External Funds to Expand Access to Lending in Uganda

Researchers conducted a randomized evaluation to test whether supplementing SGs with additional funds impacts SG members' financial access and behavior. Capital infusions to Sgs increased members' access to loans and members received more money at the end of year payout, without increasing defaults...

Performance Incentives for Commercial Bank Loan Officers to Improve Effort on Risk-Assessment and Lending Decisions in India

Martin Kanz
Leora Klapper
Researchers partnered with a commercial bank in India to study the effect of paying loan officers according to the performance of their loans on the quality of their lending decisions. Loan officers working under this incentive scheme exerted greater screening effort, approved fewer loans, and...