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.

Researchers investigated the impact of the price of insecticide-treated bed nets (ITNs) on usage and demand in Kenya. Researchers found that cost-sharing considerably dampened demand, and those who were left out under a cost-sharing scheme had very high usage rates when they could access the product for free. Because there are social health benefits from achieving a certain ITN coverage rate, the results suggest that free distribution of ITNs is both more effective and cost-effective than cost-sharing.

Researchers studied the policy consequences of mandated representation of female policymakers by determining whether there was any difference in the provision of social services between male- and female-led village councils. Results suggest that reservations for female leaders affected policy decisions in ways that seemed to better reflect women’s preferences.

Researchers studied the impact a quota system which randomly assigned villages in India to reserve village council positions for women. They found that quotas improved voters’ perceptions of the effectiveness of women as leaders and subsequently improved women’s electoral chances.

Researchers evaluated the impact of a voluntary commitment savings program that allowed individuals to deposit a self-selected amount of their own money that would be forfeited if they did not quit smoking within six months. Results suggested that individuals who were offered the program were much more likely to quit smoking.

Researchers found that both individuals with higher moral standards and individuals who were the least naïve displayed lower default rates than other groups. They also found that survey-based social capital measures did not predict loan default for these individual loans, contrary to the results from a prior study of group loans. Additionally, researchers found that more general personality index measures were not good predictors of default.

Researchers partnered with CNS to investigate whether requiring clients to sign a non-binding agreement to save a predetermined amount of each remittance received could increase saving.

Researchers in Kenya collaborated with the NGO International Child Support to measure the returns to different types of fertilizer among local farmers. While results show that all interventions led to increases in yield, rate-of-return calculations indicate that not all were profitable for the average farmer.

Researchers expanded microcredit offerings in Bosnia and Herzegovina to evaluate the effect of improved credit access on economic and social outcomes. They found that providing loans to slightly under-qualified microcredit applicants increased small business ownership, but not income, and decreased school participation among high school-aged youth who worked more in family businesses.

Researchers introduced a recruitment drive for a firm in Malawi to evaluate the impact of referral-based hiring on women’s employment at the company. Results from the randomized evaluation indicate that men systematically referred fewer women, and women’s referral of other qualified women was not enough to offset men’s behavior.

In the Dominican Republic, researchers are investigating whether financial education and business training can help recipients of CCTs to manage their own finances and ultimately graduate from the program.