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Banking the unbanked : evidence from three countries
Drupas, Pascaline; Karlan, Dean; Robinson, Jonathan; … - 2016
Persistent link: https://www.econbiz.de/10011575894
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Observing unobservables : identifying information asymmetries with a consumer credit field experiment
Karlan, Dean; Zinman, Jonathan - 2005
Information asymmetries are important in theory but difficult to identify in practice. We estimate the empirical importance of adverse selection and moral hazard in a consumer credit market using a new field experiment methodology. We randomized 58,000 direct mail offers issued by a major South...
Persistent link: https://www.econbiz.de/10011610980
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What's psychology worth? : a field experiment in the consumer credit market
Bertrand, Marianne; Karlan, Dean; Mullainathan, Sendhil; … - 2005
Numerous laboratory studies report on behaviors inconsistent with rational economic models. How much do these inconsistencies matter in natural settings, when consumers make large, real decisions and have the opportunity to learn from experiences? We report on a field experiment designed to...
Persistent link: https://www.econbiz.de/10011612044
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Tying Odysseus to the mast : evidence from a commitment savings product in the Philippines
Ashraf, Nava; Karlan, Dean; Yin, Wesley - 2005
We designed a commitment savings product for a Philippine bank and implemented it using a randomized control methodology. The savings product was intended for individuals who want to commit now to restrict access to their savings, and who were sophisticated enough to engage in such a mechanism....
Persistent link: https://www.econbiz.de/10011612543
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Chapter 71. Access to Finance
Karlan, Dean; Morduch, Jonathan - In: Handbook of development economics : volume 5, (pp. 4703-4784). 2010
Expanding access to financial services holds the promise to help reduce poverty and spur economic development. But, as a practical matter, commercial banks have faced challenges expanding access to poor and low-income households in developing economies, and nonprofits have had limited reach. We...
Persistent link: https://www.econbiz.de/10014025731
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Finding missing markets (and a disturbing epilogue) : evidence from an export crop adoption and marketing intervention in Kenya
Ashraf, Nava; Gine, Xavier; Karlan, Dean - Economics Research, World Bank Group - 2008
In much of the developing world, many farmers grow crops for local or personal consumption despite export options that appear to be more profitable. Thus many conjecture that one or several markets are missing. This paper reports on a randomized controlled trial conducted by DrumNetin Kenya that...
Persistent link: https://www.econbiz.de/10005079842
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Microfinance games
Gine, Xavier; Jakiela, Pamela; Karlan, Dean; Morduch, … - Economics Research, World Bank Group - 2006
Microfinance has been heralded as an effective way to address imperfections in credit markets. But from a theoretical … perspective, the success of microfinance contracts has puzzling elements. In particular, the group-based mechanisms often employed … different games that allow them to unpack microfinance mechanisms in a systematic way. They find that risk-taking broadly …
Persistent link: https://www.econbiz.de/10005115838
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(Ineffective) messages to encourage recycling : evidence from a randomized evaluation in Peru
Chong, Alberto; Karlan, Dean; Shapiro, Jeremy; Zinman, … - Economics Research, World Bank Group - 2013
There is growing interest in using messaging to drive prosocial behaviors, which contribute to investment in public goods. The authors worked with a leading nongovernmental organization in Peru to randomize nine different prorecycling messages that were crafted on the basis of best practices,...
Persistent link: https://www.econbiz.de/10010829776
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Deposit Collectors
Ashraf, Nava; Karlan, Dean; Yin, Wesley - In: The B.E. Journal of Economic Analysis & Policy 6 (2006) 2
Informal lending and savings institutions exist around the world, and often include regular door-to-door deposit collection of cash. Some banks have adopted similar services in order to expand access to banking services in areas that lack physical branches. Using a randomized control trial, we...
Persistent link: https://www.econbiz.de/10014587454
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Group versus individual liability: Long term evidence from Philippine microcredit lending groups
Giné, Xavier; Karlan, Dean - 2009
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/10010282737