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Increasing Savings and Reducing Credit Card Reliance among Low-Income U.S. Households

Researchers conducted a randomized evaluation to investigate the demand for commitment savings products or financial counseling, and the impacts these products and services have on savings, among a sample of low- and moderate-income credit union members in New York City.

Providing Endowments to Improve Bargaining Outcomes for Microentrepreneurs in Ghana

Gisella Kagy
Lena Song
Researchers randomly provided more or less cash to garment-making firm owners in Ghana before a bargaining game to evaluate the impact of endowment on the negotiated sale price of a good. Owners of garment-making microenterprises with lower household liquidity agreed to lower sale prices during the...

Mobile Phone-Based Extension Services and Agricultural Advice for Cotton Farmers in Gujarat, India

Researchers introduced a mobile phone-based agricultural extension service to evaluate its impact on knowledge and adoption of effective farming methods among cotton farmers in Gujarat, India. They found that the service was highly effective in nudging farmers to adopt a number of recommended...