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Browse news articles about J-PAL and our affiliated professors, and read our press releases and monthly global and research newsletters. For media inquiries, please email us.

Time Inconsistency and Saving among Low-Income Tax Filers in the United States

Present-biased preferences, or the tendency to value immediate rewards over greater benefits in the future, may contribute to persistent poverty, preventing low-income households from accumulating savings, making investments, and rationing their resources over time. However, there is little rigorous...

Understanding Borrowers' Decisions: Payday Loans in the United States

Researchers partnered with a large payday lender in Indiana to conduct an evaluation to better understand consumers’ decision-making. The results suggest that average borrowers can anticipate their probability of taking loans in the future. However, people focus too much on the present when making...

The Impact of Unconditional Cash Transfers on Health Outcomes in Chelsea, Massachusetts

Sumit Agarwal
Benjamin Le Cook
The City of Chelsea implemented a cash transfer program called Chelsea Eats, which provided eligible households with up to US$400 per month for nine months. Researchers conducted a randomized evaluation on the impact of the unconditional cash transfer on health care utilization and a variety of...

Household Risk Strategies and Conditional Cash Transfers in Nicaragua

Patrick Premand
Renos Vakis
Researchers conducted a randomized evaluation to test the effect of a basic CCT program, as well as two complementary interventions, on households’ vulnerability to irregular weather patterns. Providing households with vocational training or capital grants to generate non-agricultural income helps...

Mobilizing Black Voters Using Direct Mail and Commercial Phone Banks in the United States

Researchers evaluated the impact of direct mail and phone calls on the turnout of Black voters in ten different states. Neither mailings nor phone calls significantly impacted voter turnout, perhaps due to the large volume of political messaging that voters had to navigate.