In countries with conditional cash transfer programs, volunteers or modestly-paid community workers often play a significant role in supporting beneficiaries in complying with the program requirements upon which their cash transfers are conditioned.

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In Progress

Low-income women disproportionately lack access to credit in developing countries, often because they are less likely to have credit histories, property rights, or formal earnings. Researchers are partnering with a bank and a mobile money operator in the Dominican Republic to evaluate the impact of credit scoring models designed specifically for women on access to credit.

Status:
In Progress

People often report wanting to save more money than they actually do, and rigorous evidence has shown that simple reminders to save can be effective at helping people save more.

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Results

Despite the initial promise of microcredit, randomized evaluations have found at best modest effects of microloans on poverty. Digitized payments from government cash transfer programs provide a unique opportunity to offer microcredit while addressing some of its shortcomings, potentially reducing interest rates, default risk, and repayment issues.

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Status:
In Progress

Evidence suggests that facilitating access to formal savings services can increase savings, investment, and income among the poor in developing countries. However, use of these accounts is relatively low, and it is less clear how to increase interest in, and usage of, formal savings services among the poor.

Status:
In Progress

A simplified financial training based on “rules of thumb” improved business practices and outcomes among microentrepreneurs in the Dominican Republic, while standard, fundamentals-based accounting training produced no significant effect.

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Results

Conditional cash transfers have proven effective as incentives for the extreme poor to visit a health clinic or send their children to school. But are such programs sustainable? If the cash assistance is taken away, will families find themselves back where they started before the program? In this study, researchers evaluate if financial education and business training can help recipients graduate from a conditional cash transfer program, and what type of training is most beneficial.

Status:
In Progress