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To Charge or Not to Charge: Evidence from a Health Products Experiment in Uganda
Fischer, Greg; Karlan, Dean S.; McConnell, Margaret; … - C.E.P.R. Discussion Papers - 2014
comparison effect, decrease subsequent demand. This tension is particularly important for the distribution of health products in … Northern Uganda in which three health products differing in their scope for learning were initially offered either for free or …
Persistent link: https://www.econbiz.de/10011083717
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Do you have to win it to fix it? : a longitudinal study of lottery winners and their health care demand
Cheng, Terence Chai; Costa-Font, Joan; Powdthavee, Nattavudh - 2015
more likely to have private health insurance. Larger winners are also more likely to drop coverage earlier, possibly after …We exploit lottery wins to investigate the effects of exogenous changes to individuals' income on health care demand in … the United Kingdom. This strategy allows us to estimate lottery income elasticities for a range of health care services …
Persistent link: https://www.econbiz.de/10010498373
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Unshrouding Effects on Demand for a Costly Add-on: Evidence from Bank Overdrafts in Turkey
Alan, Sule; Cemalcilar, Mehmet; Karlan, Dean S.; … - C.E.P.R. Discussion Papers - 2015
Models of shrouding predict that firms lack incentives to compete on add-on prices. Working with a large Turkish bank to test SMS direct marketing promotions to 108,000 existing checking account holders, we find that messages promoting a large discount on the overdraft interest rate reduce...
Persistent link: https://www.econbiz.de/10011168904
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You Can Pick Your Friends, But You Need to Watch Them: Loan Screening and Enforcement in a Referrals Field Experiment
Bryan, Gharad; Karlan, Dean S.; Zinman, Jonathan - C.E.P.R. Discussion Papers - 2012
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/10011083275
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Saving for a (not so) Rainy Day: A Randomized Evaluation of Savings Groups in Mali
Beaman, Lori; Karlan, Dean S.; Thuysbaert, Bram - C.E.P.R. Discussion Papers - 2014
also do not find downstream impacts on health, education, social capital, and female decision-making power. Could this have …
Persistent link: https://www.econbiz.de/10011083509
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Loose Knots:Strong versus Weak Commitments to Save for Education in Uganda
Karlan, Dean S.; Linden, Leigh - C.E.P.R. Discussion Papers - 2014
Commitment devices offer an opportunity to restrict future choices. However, if severe restrictions deter participation, weaker restrictions may be a more effective means of changing behavior. We test this using a school-based commitment savings device for educational expenses in Uganda. We...
Persistent link: https://www.econbiz.de/10011083593
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Follow the Money: Methods for Identifying Consumption and Investment Responses to a Liquidity Shock
Karlan, Dean S.; Osman, Adam; Zinman, Jonathan - C.E.P.R. Discussion Papers - 2013
Identifying the impacts of liquidity shocks on spending decisions is difficult methodologically but important for theory, practice, and policy. Using seven different methods on microenterprise loan applicants, we find striking results. Borrowers report uses of loan proceeds strategically, and...
Persistent link: https://www.econbiz.de/10011083720
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Win Some Lose Some? Evidence from a Randomized Microcredit Program Placement Experiment by Compartamos Banco
Angelucci, Manuela; Karlan, Dean S.; Zinman, Jonathan - C.E.P.R. Discussion Papers - 2013
Theory and evidence have raised concerns that microcredit does more harm than good, particularly when offered at high interest rates. We use a clustered randomized trial, and household surveys of eligible borrowers and their businesses, to estimate impacts from an expansion of group lending at...
Persistent link: https://www.econbiz.de/10011083867
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How Can Bill and Melinda Gates Increase Other People's Donations to Fund Public Goods?
Karlan, Dean S.; List, John - C.E.P.R. Discussion Papers - 2012
We develop a simple theory which formally describes how charities can resolve the information asymmetry problems faced by small donors by working with large donors to generate quality signals. To test the model, we conducted two large-scale natural field experiments. In the first experiment, a...
Persistent link: https://www.econbiz.de/10011084090
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Microcredit Impacts: Evidence from a Randomized Microcredit Program Placement Experiment by Compartamos Banco
Angelucci, Manuela; Karlan, Dean S.; Zinman, Jonathan - C.E.P.R. Discussion Papers - 2014
Theory and evidence have raised concerns that microcredit does more harm than good, particularly when offered at high interest rates. We use a clustered randomized trial, and household surveys of eligible borrowers and their businesses, to estimate impacts from an expansion of group lending at...
Persistent link: https://www.econbiz.de/10011084172