Saving for multiple goals at the same time is difficult, especially for individuals without access to formal bank accounts. In Malawi, researchers offered micro-entrepreneurs either single or multiple lockboxes to evaluate the impact of the boxes on savings and other business and financial outcomes. Individuals offered multiple lockboxes saved more than those offered a single lockbox, suggesting that providing lockboxes may be a cost-effective way to promote savings.
Large debt burdens are a significant threat to financial stability for many households. Innovations for Poverty Action worked with researchers to evaluate whether prize-linked incentives can help borrowers reduce their debt burdens more effectively. A randomly selected group of borrowers on debt repayment plans were offered entry into a program that turns on-time debt repayments into entries in a lottery.
In Colombia, as in many other countries, workers face many barriers to saving for retirement. The situation is much worse for informal workers, who make up about 65 percent of the total workforce in Colombia.
In Mexico, as in many other countries, retirement savings levels are low. The situation is worse for informal workers and the unemployed, who cannot rely on employer contributions to help build their nest eggs.
Inadequate nourishment in the first years of life can impair children’s physical and cognitive development, with long-term consequences on their earnings and productivity. In Myanmar, which has one of the highest rates of stunting in the Asia-Pacific region, IPA worked with researchers to evaluate the impact of cash transfers to mothers––both with and without social and behavioral change communication (SBCC) ––on determinants and indicators of child malnutrition.
Previous evidence suggests that providing bicycles to school girls reduced the gender gap in school enrollment in India, but little has been known about the impact of bicycle distribution programs in sub-Saharan Africa and whether such programs can increase girls’ empowerment. In rural Zambia, researchers partnered with World Bicycle Relief (WBR) to evaluate the impact of bicycle access on girls’ educational and empowerment outcomes.
Increasing access to safe water is important for reducing child morbidity and mortality. Mass distribution of water treatment products can considerably increase access but it is expensive, especially if some of the recipients do not end up using the subsidized products.
Rainfall index insurance can help small-holder farmers cope with risks to their livelihoods, but take-up of this insurance is often low.
In order to manage the delivery of social services, central governments often delegate authority to local supervisors. Despite possibly having greater knowledge of the local context, these supervisors may still be unable to fully monitor the performance of public workers. Researchers partnered with the Government of Paraguay to measure the impact of a new monitoring technology—GPS-enabled cell phones—on the job performance of agricultural extension agents (AEAs).
Previous research has shown that people living in poverty are more likely to experience psychological constraints, such as lower aspirations, goals, and beliefs about their ability to act effectively, which partly arise from the difficulties of living in extreme poverty.
Engaging parents in their children’s education via text messages has been shown to be effective at increasing children’s attendance in school and improving grades in Brazil, but it’s unclear whether this model could be adapted to poorer countries where teacher absenteeism is high and many parents are illiterate. This randomized evaluation tests two versions of this model, using text and audio messages for parents either with or without messages to teachers in Côte d‘Ivoire.
Evidence suggests that pay-for-performance (P4P) contracts can elicit greater effort from civil servants when designed well, but does advertising performance pay affect who applies for these public sector jobs?
Vote-buying remains a major impediment to full democracy in many low-income countries. Researchers conducted a randomized evaluation to study how a large-scale campaign against vote-buying affected not only citizens’ willingness to sell their votes but also politician and party behavior in the 2016 election in Uganda.
Globally, many rural farmers lack access to effective savings and storage devices. This issue is particularly acute for rural farmers who receive income as a lump sum at harvest but have ongoing expenditures throughout the year. Researchers worked with existing savings clubs in Kenya to study the effect of two interventions on savings: the provision of communal crop storage devices and the provision of savings accounts earmarked for farm purchases.
In sub-Saharan Africa, where youth unemployment rates are very high, teaching students the skills required to be successful entrepreneurs or to compete in the formal labor market has the potential to reduce youth unemployment, drive economic growth, and reduce poverty. Whether such skills – particularly soft skills – can be taught, however, is an open question. In Uganda, researchers partnered with Educate!
In Sub-Saharan Africa, wage job opportunities are limited, and a vast majority of young people are engaged in low-productive work. Many governments support formal apprenticeship programs to help youth find suitable employment, but there is limited evidence on the direct and indirect effects of these public interventions.
Improving education quality in low-income countries is a top priority for the global human development agenda, with governments and donors spending over a hundred billion dollars annually on education. Researchers evaluated the impact of providing schools with an unconditional cash grant, a teacher incentive program, or both on student learning. The cash grant had no impact on student learning, while the teacher incentive program had mixed results.
Remittances are one of the largest sources of financial flows to low- and middle-income countries, and researchers and decision-makers are interested in ways to increase their development impact. One promising approach is enabling migrants to label the remittances that they send home for a specific purpose, such as education or business activities.
In Ghana, many traditional credit providers like banks and microfinance institutions are wary of extending credit to small-scale farmers, fearful that they will inherit the risks inherent to farming; with limited access to traditional, formal credit, many farmers must rely on costly, informal loans. Researchers are evaluating the impact of an innovative mobile phone-based digital finance program on loan repayment rates, investment decisions, savings, and use of other financial services, as we
In 2016, Myanmar started a new land reform intended to improve the land tenure rights of their lower income citizens. Acknowledging the importance of evidence to support the land reform, the research and advocacy organization Landesa partnered with IPA to conduct a mixed methods study to better understand the extent of landlessness in the Ayeyarwady Region, the connection between land tenure rights and food security, as well as the extent of women and men’s knowledge of their land rights.