Financial Capability

Financial capability is the ability to make informed decisions about the use and management of one’s money. IPA’s Financial Capability Initiative incubates, develops, and rigorously evaluates products and programs that improve the ability of the poor to make informed, welfare-enhancing financial decisions by supporting tests and evaluations of innovative product designs and product-linked financial education interventions that aim to improve financial capability.

Using Mobile Platforms to Save for the Future: Evidence from Kenya

Co-written with Alejandra Martinez

Measuring Global Financial Health

Impact evaluations in the financial inclusion sector often attempt to measure the financial health of their participants.

Nudges for Financial Health: Global Evidence for Improved Product Design

Despite good intentions, people often make less-than-optimal financial choices. In this series, we match insights from our global research in behavioral economics with specific financial service...

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Download El impacto del crédito flexible para emprendedores en Colombia	Educación financiera a través de tabletas en Colombia
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
Freeing Financial Education via Tablets: Experimental Evidence from Colombia	Do Prize-Linked Incentives Promote Positive Financial Behavior? Evidence from a Debt Reduction Intervention
The Economic Lives of Young Women in the Time of Ebola: Lessons from an Empowerment Program	The Long Term Impacts of Grants on Poverty: 9-year Evidence from Uganda’s Youth Opportunities Program
The Impact of Financial Education through Savings and Credit Cooperatives in Rwanda	Male Social Status and Women's Work
Small & Medium Enterprise Program Brief	SMS Messages for Financial Inclusion in the Dominican Republic
, Nudges for Financial Health: Global Evidence for Improved Product Design	Count on Commitment
, Beyond the Classroom: Evidence on New Directions in Financial Education	Financial Education and Financial Access for Transnational Households: Field Experimental Evidence from the Philippines

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Student Loans are Ripe for Behavioral Improvement	Using Mobile Platforms to Save for the Future: Evidence from Kenya
CREDIT: CONSAR Social Effects in the Age of Digital Finance	CREDIT: CONSAR Efectos sociales en la era de las finanzas digitales
Mejorando El Bienestar Financiero con Información en Perú	CREDIT: Dario Rodriguez Nudging People Towards Better Credit in Peru
Nine Million US Households Choose to be Unbanked: Do We Understand Their Financial Health?	Beyond RCTs: How Rapid-Fire Testing Can Build Better Financial Products
CREDIT: Jan Chipchase Mobile-izing Savings with Defaults in Afghanistan	CREDIT: Tugela Rid Three Experts Look into the Future of Digital Finance
CREDIT: Deba Prasad Roy How will you do digital finance right?	Access to Financial Services: Necessary but not Sufficient for Financial Inclusion
Can Agents Improve Conditional Cash Transfers in Peru?	Financial Education in the Digital Age: It's affordable, it's scalable - but does it work?
New World Bank Report Highlights IPA’s Research, Calls for Redesign of Development Policy	How Can Children and Youth Become Financially Capable Adults?

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IndiaSpend Covers IPA Study on Women's Financial Autonomy	The Dhaka Tribune on IPA Bangladesh Adolescent Health Findings
The Chicago Booth Review Features IPA Research on Debt Traps	NPR: About That Microloan Question in Crazy Rich Asians....
Researchers Report on Mobile Money and Savings Results in Harvard Business Review	Fighting poverty through entrepreneurship training
Savings Groups Lead to Increased Financial Inclusion and Women’s Empowerment, New Three-Country Study Finds	Here’s why mobile banking can help India beat poverty
Mobile Money study in Popular Science	Tavneet Suri Talks With Vox About New Findings From Kenya
Simple Access to Mobile Money Lifted Two Percent of Kenyan Households Out of Poverty, Finds New Study Published in Science	NPR turns to IPA research to answer audience's most voted on question
Improving the microfinance model	Bloomberg news on IPA's work encouraging savings in the Bronx
In Money Magazine: The Science Behind Why You Don’t Save (And What To Do About It)	Dean Karlan on the future of finance

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IPA Peru Co-Hosts Dissemination Event on Scaling Financial Education through Technology	IPA Peru Presents on Effective Approaches to Improve Financial Inclusion in Vulnerable Groups
IPA Myanmar Co-Hosts Workshop on Poverty Alleviation and Inclusive Growth Programs	IPA, IFPRI, and Mercy Corps Convene Financial Inclusion and Climate Resilience Roundtable
IPA Rwanda Presents at the Economic Policy Research Network (EPRN) Conference	IPA Philippines Conducts RCTs and Monitoring & Evaluation Workshop for Association of Foundations
Research Meets Africa	IPA Colombia Conducts Workshop on Monitoring & Evaluation in Financial Education
Rebecca Rouse Presents at SEEP Webinar	IPA Rwanda Co-Organizes Workshop on Financial Education through SACCOs Program
IPA’s Financial Inclusion Program Co-Sponsors Workshop on Women’s Economic Empowerment and Financial Inclusion	Evidence in Financial Inclusion III: New Findings and their Applications
Dean Karlan Speaks at Learning Session on Financial Inclusion	Evidence in Financial Inclusion II: New Findings and their Applications
IPA Peru Presents Preliminary Results to Peruvian Government	Evidence in Financial Inclusion I: New Findings and their Applications

Evaluating the Welfare Impacts of the Payday Loan Industry in the United States	Can Prize-Linked Incentives Promote Debt Reduction in the United States?
The Impact of Advanced Payment on Farmer Wellbeing and Company Profitability in Zambia	Relationships for Financing in the International Coffee Market
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
Financial Education through Savings and Credit Cooperatives (SACCOs) in Rwanda	Measuring Global Financial Health
The Impact of SMS Messages on Financial Inclusion in the Dominican Republic	The Impact of Individualized Information on Teacher Loan Forgiveness Uptake in the United States
Strengthening Women’s Financial Control Through Personal Bank Accounts	Facilitating Business Registration in Malawi
Fast Cash: The Impact of Up-Front Incentives on Young Women’s Savings in Tanzania	Improving Credit Scores with Information in Peru
The Impact of Flexible Credit for Entrepreneurs in Colombia	The Long-Term Effects of Access to Mobile Money in Kenya

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