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Self-selection into credit markets : evidence from agriculture in Mali

Beaman, Lori; Karlan, Dean; Thuysbaert, Bram; Udry, … - 2014

We partnered with a micro-lender in Mali to randomize credit offers at the village level. Then, in no-loan control villages, we gave cash grants to randomly selected households. These grants led to higher agricultural investments and profits, thus showing that liquidity constraints bind with...

Persistent link: https://www.econbiz.de/10010385235

The impact of financial education for youth in Ghana

Karlan, Dean; Berry, James; Pradhan, Menno - 2015

We evaluate, using a randomized trial, two school-based financial literacy education programs in government-run primary and junior high schools in Ghana. One program integrated financial and social education, whereas the second program only offered financial education. Both programs included a...

Persistent link: https://www.econbiz.de/10010501976

Saving for a (not so) rainy day : a randomized evaluation of savings groups in Mali

Beaman, Lori; Karlan, Dean; Thuysbaert, Bram - 2014

High transaction and contracting costs are often thought to create credit and savings market failures in developing countries. The microfinance movement grew largely out of business process innovations and subsidies that reduced these costs. We examine an alternative approach, one that infuses...

Persistent link: https://www.econbiz.de/10010413160

Hoping to Win, Expected to Lose : Theory and Lessons on Micro Enterprise Development

Karlan, Dean S. - 2012

microenterprises readily observed across the world. We put forward a model that illuminates why financial and managerial capital … constraints may impede experimentation, and thus limit learning about the profitability of alternative firm sizes. The model shows …-run negative expected returns to investments on average, with some outliers succeeding. To test the model we put forward first a …

Persistent link: https://www.econbiz.de/10013101353

Long-Run Price Elasticities of Demand for Credit : Evidence from a Countrywide Field Experiment in Mexico

Karlan, Dean S. - 2013

The long-run price elasticity of demand for credit is a key parameter for intertemporal modeling, policy levers, and lending practice. We use randomized interest rates, offered across 80 regions by Mexico's largest microlender, to identify a 29-month dollars-borrowed elasticity of -1.9. This...

Persistent link: https://www.econbiz.de/10013081249

Profitability of Fertilizer : Experimental Evidence from Female Rice Farmers in Mali

Beaman, Lori A. - 2013

Intensified use of agricultural inputs, particularly fertilizer, is a possible route to improved agricultural productivity. Field trials of these technologies show substantial increases in yields, but typically are done on highly monitored experimental plots rather than by farmers themselves

Persistent link: https://www.econbiz.de/10013087655

Agricultural Decisions after Relaxing Credit and Risk Constraints

Karlan, Dean S. - 2013

The investment decisions of small‐scale farmers in developing countries are conditioned by their financial environment. Binding credit market constraints and incomplete insurance can reduce investment in activities with high expected profits. We conducted several experiments in northern Ghana...

Persistent link: https://www.econbiz.de/10013089789

Follow the Money : Methods for Identifying Consumption and Investment Responses to a Liquidity Shock

Karlan, Dean S. - 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/10013072803

Targeting Ultra-Poor Households in Honduras and Peru

Karlan, Dean S. - 2013

For policy purposes, it is important to understand the relative efficacy of various methods to target the poor. Recently, participatory methods have received particular attention. We examine the effectiveness of a hybrid two-step process that combines a participatory wealth ranking and a...

Persistent link: https://www.econbiz.de/10013073269

Health Economics for Low-Income Countries

Mwabu, Germano - 2007

Good health is a determinant of economic growth and a component of well-being. This paper discusses and synthesizes economic models of individual and household behavior, showing how they may be used to illuminate health policy making in low-income countries. The models could help address...

Persistent link: https://www.econbiz.de/10012776897