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The Blinder-Oaxaca decomposition technique is widely used to identify and quantify the separate contributions of group differences in measurable characteristics, such as education, experience, marital status, and geographical differences to racial and gender gaps in outcomes. The technique...
Persistent link: https://www.econbiz.de/10005357775
Group liability in microcredit purports to improve repayment rates through peer screening, monitoring, and enforcement. However, it may create excessive pressure, and discourage reliable clients from borrowing. Two randomized trials tested the overall effect, as well as specific mechanisms. The...
Persistent link: https://www.econbiz.de/10005018059
Research on "trust" now forms a prominent part of the research agenda in history and the social sciences. Although this research has generated useful insights, the idea of trust has been used so widely and loosely that it risks creating more confusion than clarity. This essay argues that to the...
Persistent link: https://www.econbiz.de/10005357718
Group liability is often portrayed as the key innovation that led to the explosion of the microcredit movement, which started with the Grameen Bank in the 1970s and continues on today with hundreds of institutions around the world. Group lending claims to improve repayment rates and lower...
Persistent link: https://www.econbiz.de/10005357728
Lending to the poor is expensive due to high screening, monitoring, and enforcement costs. Group lending advocates believe lenders overcome this by harnessing social connections. Using data from FINCA-Peru, I exploit a quasi-random group formation process to find evidence of peers successfully...
Persistent link: https://www.econbiz.de/10005357755
We examine a randomized trial that allows separate identification of peer screening and enforcement of credit contracts. A South African microlender offered half its clients a bonus for referring a friend who repaid a loan. For the remaining clients, the bonus was conditional on loan approval....
Persistent link: https://www.econbiz.de/10009653353
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a comparison effect, decrease subsequent demand. This tension is particularly important for the distribution of health … experiment in Northern Uganda in which three health products differing in their scope for learning were initially offered either …
Persistent link: https://www.econbiz.de/10010908063
The literature evaluating population and health policies is in flux, with many disciplines exploring biological and …, health outcomes, and reproductive behavior, which operate in many directions. The connection between conditions under which … people live and their expected life span and health status refer to “health production functions”. The relationships between …
Persistent link: https://www.econbiz.de/10004967149