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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...

The Use of Self-Help Groups as a Savings Commitment Device in Chile

Felipe Kast
Stephan Meier
Researchers in Chile compared the effects of self-help peer groups and text-message feedback on entrepreneurs’ ability to make regular deposits into a savings account. Receiving feedback by text message increased savings by almost as much as being a member of a self-help group, suggesting that the...

The Impact of Disbursing Microfinance Loans via Mobile Money Accounts in Uganda

Researchers conducted a randomized evaluation to test disbursing microfinance loans through digital accounts on business outcomes in Uganda. Women who received their loan through a digital account experienced higher business capital and profits compared to those who received their loans via cash.

Getting Out the Vote in Local Elections in the United States

David W. Nickerson
Researchers examined the impact of door-to-door canvassing on voter turnout in the 2001 local elections in six US cities. The results indicate that voters who were contacted by canvassers were significantly more likely to vote in a wide variety of settings.