Researchers leveraged data from a randomized evaluation conducted by a large bank in Mexico to test the impact of varying credit card contract terms on loan default, card cancellation rates, and bank revenue for first-time formal sector borrowers. Variations in the interest rate and minimum payment rate had little impact on default, suggesting that contract terms may do little to mitigate risk among new borrowers.

Kindergarten education is vital for a child’s success in primary school and later in life. However, kindergarten enrollment rates of children from ethnic minorities remain low. Researchers measured the impact of providing incentives and information about the importance of early education on the kindergarten participation rates and learning of disadvantaged Roma children in Bulgaria. The program had mixed effects on kindergarten enrollment and learning.

Researchers are partnering with the Mexico City Labor Court to evaluate whether rotating court notifiers across areas and casefiles can reduce incidences of bribery, increase the notification rates, and improve the functioning of labor courts.

Researchers partnered with a large Indonesian Islamic bank to evaluate the impact of sending moral appeals in reminder text messages to late-paying credit card holders. Messages stating that non-repayment of debts by someone who is able to repay is an injustice increased the number of clients meeting minimum payments, proving more effective than substantial financial incentives for repayment.

Researchers evaluated two approaches to improving the quality of Colombian preschools. Providing additional resources to preschools for materials and new staff did not benefit children’s development and, unintentionally, led teachers to reduce their involvement in classroom activities. However, the addition of teacher training focused on teaching methods offset the negative effects on teacher behavior, improved the quality of teaching, and raised children’s cognition, language and school readiness.