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 Financial Health Around the Globe

There is a lack of consensus between different researchers and organizations on how exactly to define and measure financial health.

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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Randomization for Causality, Ethnography for Mechanisms: Illiquid Savings for Liquor in an Autarkic Society	Gambling, Saving, and Lumpy Liquidity Needs
Salud financiera y violencia doméstica en Colombia durante el COVID-19	Measuring Financial Health around the Globe: Survey Manual
Measuring Financial Health around the Globe	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

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Are Mobile Payments Reaching Men and Women Equally? Latest Findings on How G2P Payments Are Working in Bangladesh	A Phone Survey without Phones? Lessons in How to Reach Those without Access to Mobile Phones.
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?

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How Not to Be Fooled by Data, in the Harvard Business Review	India's Free Press Journal Covers Research on Digital Financial Inclusion Among Women
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

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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

Introducing Financial Services to Monetized Native Amazonians	Identifying Risk Factors Using Predictive Modeling for Digital Financial Services Fraud in Uganda
Identifying Risk Factors Using Predictive Modeling for Digital Financial Services Fraud in Uganda	Understanding Borrowers' Decisions: Payday Loans in the United States
The Impact of Debt Relief in India and the Philippines	Financial Health and Intimate Partner Violence in Colombia During COVID-19
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 Financial Health Around the Globe	The Impact of Text Message Reminders on Savings 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

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