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Researchers tested two features of these contracts, repayment frequency and the time of the first repayment, to determine if characteristics of the loan contract affect borrowers’ repayment behavior and the types of investments they make. They found that less frequent repayments did not increase...

In Nigeria, researchers worked with a financial service provider to evaluate the impact of digital loans on welfare. Being approved for the loans increased subjective well-being after three months, for applicants who normally would have been denied.

Researchers in northern Ghana conducted a randomized evaluation to assess the underlying reason for underinvestment by examining the relative effectiveness of cash grants and insurance grants in improving crop yields. Results suggest that uninsured risk, rather than a lack of capital, was the...

In Malawi, researchers examined the effect of bundling rainfall index insurance with a credit program on farmers’ demand for credit. They found that bundling insurance with credit reduced the demand for credit, from 33 percent for credit alone to 17.6 percent for the bundled product.

Researchers tested whether sharing messages that appealed to negative emotions, like shame or disgust, increased households’ hand washing behavior and willingness to pay for water chlorination in Dhaka, Bangladesh. Negative messaging had no impact on chlorination levels or willingness to pay, but...

Researchers are evaluating the effect of an ownership assistance program on residents’ income, assets, and general financial behavior.

Researchers conducted a randomized evaluation to test the impact of a video-mediated extension approach on the uptake of technologies recommended by the Ethiopian Ministry of Agriculture. The video-mediated instruction increased uptake through improved access to extension and farmer knowledge but...

In Uganda, researchers evaluated the effect of standardized business skills training on business performance as compared to more personalized mentoring services.