Child marriage remains prevalent in many countries despite laws prohibiting the practice, leading to negative health and education outcomes for young women and their children. Researchers evaluated the impacts of an incentive program and an adolescent empowerment program on child marriage, teenage childbearing, and level of education in rural Bangladesh. Financial incentives conditional on delayed marriage reduced child marriage and teenage childbearing, and increased girls’ level of education. The empowerment program, on the other hand, did not succeed in delaying marriage.

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 defaults. A two-month grace period before beginning repayment raised the default rate slightly but allowed entrepreneurs to invest more in their businesses, resulting in long term economic gains.

Researchers offered two days of business training and assistance in identifying a medium-term financial goal to a random sample of women of different castes and religions in India. A random sub-sample of women were invited to attend the training with a friend. Women trained with a friend doubled their demand for loans and expanded their business activity, resulting in higher household income. This impact was stronger among women from religious or caste groups with social norms that restrict female mobility.

In order to examine how voter preferences vary with information about the relevance of ethnicity and politician quality, researchers randomly assigned polling stations during the 2007 Uttar Pradesh elections to two information campaigns, one calling for people not to vote for a party simply for representing their caste and one calling them not to vote for corrupt candidates. The caste campaign not only reduced the likelihood that an individual would vote for a party representing their caste but also increased voter turnout and reduced the voter share of candidates facing heinous criminal charges.

While researchers found a meaningful reduction in smoke inhalation in the first year after households received an improved stove, there was no effect over longer time horizons. The difference between the laboratory and field results is due to households’ revealed low valuation of the stoves. Households failed to use the stoves regularly or appropriately, did not make the necessary investments to maintain them properly, and use ultimately declined over time.

Researchers partnered with SKS Microfinance to measure the impact of bundling a health insurance product with microloan renewals on health insurance take-up, and health care use and spending. They found that the requirement to purchase health insurance substantially reduced microcredit clients’ loan renewal rates, meaning that people were willing to give up credit to avoid buying insurance.

Researchers examined the impact of an initiative to promote savings, through financial incentives, reminders, and messaging, on the savings behavior of the urban poor in Peru. Preliminary results found that the initiative increased the probability that clients reached their savings goals; negatively framed messages appear to be more effective than positive messages in getting people to save.

Researchers are examining the impact of offering health insurance through a microfinance institution on clients’ health behaviors and health outcomes, as well as on the institution’s profit, client retention, and default rates.

Researchers tested the assumption of price inelastic demand using a randomized evaluation in South Africa. The results suggest that the demand curves were downward sloping, and steeper for price increases relative to the lender’s standard rates. Researchers also found that loan size was far more responsive to changes in loan maturity than to changes in interest rates.

Researchers evaluated the impact of a door-to-door deposit-collecting service, which regularly collected funds from clients’ homes to be deposited at a local bank, on clients’ savings. Results demonstrated that clients who lived farther from a bank were more likely to take up the service, and clients who took up the service significantly increased their savings.

This study measured the effect of receiving free subscriptions to either a liberal or conservative-leaning newspaper on voters’ political knowledge and opinions in the United States. Results demonstrated that neither subscription had an impact on voters' political knowledge, but that both subscriptions caused voters to increase their support for the Democratic presidential candidate. This suggests that the informational effect of news exposure was stronger than the effect of the slant.

This evaluation examined the direct impact of providing small consumer loans to marginally creditworthy individuals in South Africa on their credit access, investment, and well-being, as well as the profitability of these loans for lenders. Results found approving loans for marginally creditworthy applicants did improve economic outcomes for poor households and generated profits for lenders.

Researchers measured the impact of individual-liability microcredit on marginally creditworthy applicants in the Philippines. They found that increased access to microcredit expanded borrowing and improved risk management and sharing, but it also led clients to shrink their businesses.

This study evaluated the impact of subsidies and two different marketing messages on the take-up of insecticide-treated bed nets by rural households. Take-up did not vary with the framing of marketing messages but was highly sensitive to changes in price. Gaining access to a highly subsidized bed net in the first year also increased households’ willingness to pay for an additional net a year later.