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.

Publication

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...

Study

Tablet-Based Financial Education in Colombia

Numerous developing country governments, such as Brazil and Mexico, have adopted conditional cash transfer (CCT) programs as a social safety net, providing billions of dollars in transferred funds...

Pages

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
Small & Medium Enterprise Program Brief	SMS Messages for Financial Inclusion in the Dominican Republic
Count on Commitment	, Nudges for Financial Health: Global Evidence for Improved Product Design
, Beyond the Classroom: Evidence on New Directions in Financial Education	Financial Education and Financial Access for Transnational Households: Field Experimental Evidence from the Philippines
Simplificando las Finanzas	A Personal Touch: Text Messaging for Loan Repayment
Savings Defaults and Payment Delays for Cash Transfers: Field Experimental Evidence from Malawi	, Financial Inclusion Program Brief
Financial Inclusion for the Rural Poor Using Agent Networks in Peru	Mobile-izing Savings with Automatic Contributions: Experimental Evidence on Dynamic Inconsistency and the Default Effect in Afghanistan
Building Evidence on Financial Capability	Unshrouding Effects on Demand for a Costly Add-on: Evidence from Bank Overdrafts in Turkey

Pages

Using Mobile Platforms to Save for the Future: Evidence from Kenya	CREDIT: CONSAR Efectos sociales en la era de las finanzas digitales
CREDIT: CONSAR Social Effects in the Age of Digital Finance	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?	Making everyday financial decisions: Do we know what we need to know?

Pages

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	Simple Access to Mobile Money Lifted Two Percent of Kenyan Households Out of Poverty, Finds New Study Published in Science
Tavneet Suri Talks With Vox About New Findings From Kenya	Mobile Money study in Popular 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	IPA Announces Partnership with JPMorgan Chase & Co. to Share Evidence on Financial Inclusion
FI2020 Week to Convene Global Conversations on Financial Inclusion	Leading Global Experts Prioritize Key Measures to Optimize Digital Finance for World’s Poorest People

Pages

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
18th Microcredit Summit: Frontier Innovations in Financial Inclusion	Evidence on Financial Inclusion Products and Programs

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
Can Prize-Linked Incentives Promote Debt Reduction?	The Long-Term Effects of Access to Mobile Money in Kenya
Tablet-Based Financial Education in Colombia	Rules of Thumb: Providing Timely Useful Financial Management Advice at Scale in India
Group versus Individual Liability for Microfinance Borrowers in the Philippines	Mobile-izing Savings: Defined-Contribution Savings on a Mobile Money Platform in Afghanistan
Kenyan Government Bonds as a Savings Tool	Flexible Loans and Locked Savings for Female Market Vendors in India

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Financial Capability

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