Access to Finance

Access to Finance is the availability and affordability of financial services for individuals and firms. Without access to external finance, individuals and firms cannot realize their full growth potential. IPA's research designs and evaluates programs designed to reduce the risk and cost of lending.

Study

The Long-Term Effects of Access to Mobile Money in Kenya

There are an estimated 411 million mobile money accounts worldwide, allowing even the poor in remote areas to send and receive money at low cost.

Study

Price Fluctuations and Supply Chain Credit to Cocoa Farmers in Sierra Leone

In perfectly competitive markets, higher valued agricultural products should translate into higher prices, putting more money in the pockets of farmers.

Study

The Impact of Business Training and Capital for High Potential Entrepreneurs in Colombia

Small and medium enterprises (SMEs) are thought to be important drivers of growth in developing economies, but entrepreneurs in these countries face many barriers, including poor access to...

Pages

On Her Own Account: How Strengthening Women's Financial Control Affects Labor Supply and Gender Norms	Credit Building or Credit Crumbling? A Credit Builder Loan’s Effects on Consumer Behavior, Credit Scores and Their Predictive Power
Improving Shock-Coping with Precautionary Savings: Effects of Mobile Banking on Transactional Sex in Kenya	Saving for Multiple Financial Needs: Evidence from Malawi
Fintech and Household Resilience to Shocks: Evidence from Digital Loans in Kenya	Incrementando las contribuciones voluntarias para el retiro en Colombia
Impacto de los puntajes de crédito automatizados sobre la asignación de créditos	Mexico Country Brief
Pass-through, Competition, and Entry in Agricultural Markets: Experimental Evidence from Kenya	Male Social Status and Women's Work
Sell Low and Buy High: Arbitrage and Local Price Effects in Kenyan Markets	Household Matters: Revisiting the Returns to Capital among Female Micro-entrepreneurs
Debt Traps? Market Vendors and Moneylender Debt in India and the Philippines	Small & Medium Enterprise Program Brief
SMS Messages for Financial Inclusion in the Dominican Republic	Selling low and buying high: An arbitrage puzzle in Kenyan villages

Pages

Student Loans are Ripe for Behavioral Improvement	CREDIT: CONSAR Efectos sociales en la era de las finanzas digitales
CREDIT: CONSAR Social Effects in the Age of Digital Finance	To Fee or Not to Fee? Designing Inclusive Savings Products for Women
Nine Million US Households Choose to be Unbanked: Do We Understand Their Financial Health?	Closing the Gender Gap in Digital Finance: Tailored Products Are Not Enough
Who’s the Boss: Standing Up for the End User of Digital Payments	Can Financial Inclusion Change Gender Norms?
Beyond RCTs: How Rapid-Fire Testing Can Build Better Financial Products	IPA founder Dean Karlan's message to Congress
Access to Financial Services: Necessary but not Sufficient for Financial Inclusion	Making Change on a Mobile Handset
Better banking - getting above eight percent	Scoring for Access: Emerging Evidence on the Impact of Credit Scoring on SME Lending
Interrupting the Cycle of Hunger in Zambia	US Household Finance Initiative joins Twitter

Pages

IPA & Graduation Model Featured on PBS NewsHour	The Chicago Booth Review Features IPA Research on Debt Traps
In Vox, IPA’s Research Comparing Giving Cash to the Graduation Model for the Ultra Poor	Vox on IPA's Work Comparing Cash to Ultra Poor Graduation Programs
Quartz Features IPA Research on a Business Plan Competition in Nigeria	NPR: About That Microloan Question in Crazy Rich Asians....
Village Enterprise Representative Blogs on IPA Collaboration	Fighting poverty through entrepreneurship training
Devex on IPA's Right-Fit Monitoring and Evaluation Program	The Indian Express Covers IPA Research on Debt Traps
Savings Groups Lead to Increased Financial Inclusion and Women’s Empowerment, New Three-Country Study Finds	Mobile Money Services Like M-PESA Key to Poverty Reduction In Africa
Washington Post on How Mobile Money is Reducing Poverty	Research Shows Mobile Banking Lifting Hundreds of Thousands from Poverty
Mobile phones are transforming Africa	Thousands of Kenyan single mothers, widows use mobile money to escape poverty

Pages

IPA Webcast: The Skills We Really Need: The Impacts of The Educate! Experience, a Skills-Based Education Program for Secondary School Students in Uganda	IPA Myanmar Co-Hosts Workshop on Poverty Alleviation and Inclusive Growth Programs
IPA Speakers Join Aspen Institute's "Metrics from the Ground Up" Conference	IPA Presents at the 2018 Ghana Women Entrepreneurship Summit
IPA, IFPRI, and Mercy Corps Convene Financial Inclusion and Climate Resilience Roundtable	IPA Sierra Leone and UNCDF Hold Behavioral Design Workshop for Digital Financial Service Providers
IPA Zambia Presents at 10th ICT4D Conference in Lusaka	Village Enterprise Impact Evaluation in Uganda: Alleviating Poverty with an Integrated Microenterprise Graduation Program (Kampala)
Village Enterprise Impact Evaluation in Uganda: Alleviating Poverty with an Integrated Microenterprise Graduation Program (Washington, DC)	Evidence Dialogue on SME Development in Bangladesh
Research Meets Africa	SME Program 2017 Working Group Meeting
IPA Philippines Presents at the Seamless Payments, E-Commerce, and Retail Conference	Elizabeth Koshy presents at ICSD 2017
Rebecca Rouse Presents at SEEP Webinar	Webinar: Women's Economic Empowerment through Financial Inclusion

The Impact of School Fee Loans on Educational Outcomes in Uganda	Saving for Multiple Goals with Lockboxes in Malawi
SMS Messages to Increase Voluntary Retirement Contributions in Mexico	Increasing Voluntary Contributions to Retirement Savings in Colombia
Soft Skills and Entrepreneurship Training for Secondary School Students in Uganda	The Impact of a Digital Credit for Small-Scale Farmers in Ghana
The Impact of Mobile Money Savings on Transactional Sex in Western Kenya	The Impact of Advanced Payment on Farmer Wellbeing and Company Profitability in Zambia
The Impact of Digital Credit on Kenyan Households' Resilience to Financial Shocks	The Impact of a Women-Specific Credit Scoring Model on Women’s Access to Credit in the Dominican Republic
Tailored Microcredit in Rural Morocco	Competition and Collusion Among Maize Traders in Rural Kenya
The Impacts of Rural Finance and Commitment Mechanisms on Agricultural Input Decisions in Mali	What Generates Growth in Microenterprises? Evidence from Sri Lanka
Measuring Global Financial Health	The Impact of SMS Messages on Financial Inclusion in the Dominican Republic

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