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.