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The Impact of a Credit-Building Loan Product and Credit Counseling on Low-Income Borrowers in the United States

Jeremy Burke
Kata Mihaly
Credit-building loan products (CBLs) have begun to proliferate in the U.S. marketplace, but there is little evidence on the effects of these products on consumers and lenders. IPA and RAND worked with researchers to evaluate the impacts of a CBL offered at a credit union in Missouri, both alone and...

The Impact of Broadening Traditional Leaders’ Advisors on Inclusive Governance in Zimbabwe

Researchers conducted a randomized evaluation to test how encouraging traditional leaders to broaden their circle of advisors affects inclusive governance in Zimbabwe. Village chiefs improved their decision-making processes when they attended the workshop on inclusive and transparent governance and...

The Effect of Social Pressure on Individuals' Financial Decisions in Central Malawi

Researchers evaluated the effect of social pressure to share income on farmers’ spending decisions by varying whether income from large cash prizes was received in a public or private setting. Receiving prize money in a public setting induced individuals to spend one-third more of their money in the...

Generating Skilled Self-Employment in Uganda

Sebastian Martinez
Researchers used a randomized evaluation to measure the impact of a government program that gave groups of young people US$400 per person in return for a proposal to start a skilled trade. Recipients invested the cash and significantly increased their incomes for several years. However, nine years...

Nudging Good Politicians in the Philippines

Researchers conducted a randomized evaluation to test the impact of an all-expense-paid three-day leadership training workshop on incentivizing honest and competent youth to run for a village youth council.

Understanding the Preferences and Productivity of Workers in the United States

Understanding workplace incentives and the motivations of workers is important for increasing workplace productivity and organizational efficiency. Many have suggested that employees are altruistic, willing to work harder when they believe that the amount of effort they exert in their job directly...

Comparing Cash and Voucher Transfers in a Humanitarian Context: Evidence from the Democratic Republic of Congo

Researchers tested the relative effectiveness and cost-effectiveness of an unconditional cash transfer and a voucher program on household consumption and well-being in a camp for internally displaced persons in the Democratic Republic of Congo. Both programs increased food security and asset...