In Pakistan, take-up and use of mobile money accounts has been relatively low despite the fact that mobile money is potentially less expensive, more convenient, and can offer a wider range of financial services than many other payment channels. Researchers aimed to conduct a randomized evaluation investigating the impact of incentivizing mobile account holders to refer their friends or relatives to use mobile money on the take-up and sustained usage of mobile money.

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Canceled

Lack of access to finance constrains small business growth—a problem that is exacerbated for Muslim business-owners, many of whom do not take out traditional loans for religious reasons. Innovations for Poverty Action is supporting research in Pakistan on a lease-based product that features more flexible repayment schedules, allows businesses to share risk with a large microfinance institution, and complies with local Islamic financial norms.

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In Progress
A tax collector reviews documentation from a citizen in Punjab, Pakistan

While performance pay for tax collectors has the potential to raise tax revenues, there is concern that it may also increase the bargaining power of tax collectors with respect to taxpayers, leading to greater taxpayer dissatisfaction. To examine these issues, researchers conducted a randomized evaluation of three different performance-based schemes in Punjab, Pakistan.

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Results

More than one fifth of the world’s population lives on less than US$1.25 per day. While many credit and training programs have not been successful at raising income levels for these ultra-poor households, recent support for livelihoods programs has spurred interest in evaluating whether comprehensive “big push” interventions may allow for a sustainable transition to self-employment and a higher standard of living.

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Results