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Is Digital Credit Filling a Hole or Digging a Hole? Evidence from Malawi

Researchers conducted a randomized evaluation to test the impact of a financial literacy interactive voice response campaign on loan outcomes. The intervention boosted knowledge and slightly improved loan repayment, but it also raised loan demand, increasing the overall risk of default.

Reducing Imbalanced Fertilizer Use Through ‘Rule-Of-Thumb’ Instructions in Bangladesh

Mahnaz Islam
Fertilizer use has been promoted to boost agricultural productivity and increase farmers’ yields and income. Researchers conducted a randomized evaluation among rice farmers in Bangladesh to evaluate the impact of providing leaf color charts and basic training on the quantity and timing of...

The Impact of Offering Pay-as-you-go Car Insurance on Covering Drivers in California

Researchers conducted a randomized evaluation to test the impact of introducing a pay-as-you-go car insurance contract, which reduces minimum purchase requirements, to uninsured drivers in California. Applicants who were offered this type of insurance were nearly twice as likely to purchase car...