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Agricultural Decisions after Relaxing Credit and Risk Constraints

Karlan, Dean S.; Osei, Robert; Osei-Akoto, Isaac; Udry, … - C.E.P.R. Discussion Papers - 2012

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 in...

Persistent link: https://www.econbiz.de/10011083318

Profitability of fertilizer: Experimental evidence from female rice farmers in Mali

Beaman, Lori; Karlan, Dean S.; Thuysbaert, Bram; Udry, … - C.E.P.R. Discussion Papers - 2013

In an experiment providing fertilizer grants to women rice farmers in Mali, we found that women who received fertilizer … increased both the quantity of fertilizer they used on their plots and complementary inputs such as herbicides and hired labor … level of output, we find no evidence that profits increased. Our results suggest that fertilizer's impact on profits is …

Persistent link: https://www.econbiz.de/10011083496

Self-Selection into Credit Markets: Evidence from Agriculture in Mali

Beaman, Lori; Karlan, Dean S.; Thuysbaert, Bram; Udry, … - C.E.P.R. Discussion Papers - 2014

We partnered with a micro-lender in Mali to randomize credit offers at the village level. Then, in no-loan control …

Persistent link: https://www.econbiz.de/10011083397

Teaching entrepreneurship: Impact of business training on microfinance clients and institutions

Karlan, Dean S.; Valdivia, Martin - 2006

Can one teach basic entrepreneurship skills, or are they fixed personal characteristics? Most academic and development policy discussions abour microentrepreneurs focus on their access to credit and assume their human capital to be fixed, The self-employed poor rarely have any formal training in...

Persistent link: https://www.econbiz.de/10010270827

Business Training for Microfinance Clients : How it Matters and for Whom?

Valdivia, Martin - 2014

We measure the impact of a business training program for female microentrepreneur clients of a group banking program in Peru. Using the credit with education model, we assigned clients randomly to either treatment or control groups. Treatment groups received thirty to sixty minute...

Persistent link: https://www.econbiz.de/10012708626

Win Some Lose Some? Evidence from a Randomized Microcredit Program Placement Experiment by Compartamos Banco

Angelucci, Manuela; Karlan, Dean S.; Zinman, Jonathan - 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/10010319508

Group versus individual liability: A field experiment in the Philippines

Giné, Xavier; Karlan, Dean S. - 2007

Group liability is often portrayed as the key innovation that led to the explosion of the microcredit movement, which grew with the Grameen Bank in the 1970s and continues on today with hundreds of institutions around the world. Group liability claims to improve repayment rates and lower...

Persistent link: https://www.econbiz.de/10010264866

What's advertising content worth? Evidence from a consumer credit marketing field experiment

Bertrand, Marianne; Karlan, Dean S.; Mullainathan, Sendhil - 2008

Firms spend billions of dollars each year advertising consumer products in order to influence demand. Much of these outlays are on the creative design of advertising content. Creative content often uses nuances of presentation and framing that have large effects on consumer decision making in...

Persistent link: https://www.econbiz.de/10010270671

Microfinance games

Giné, Xavier; Jakiela, Pamela; Karlan, Dean S.; … - 2006

Microfinance has been heralded as an effective way to address imperfections in credit markets. From a theoretical perspective, however, the success of microfinance contracts has puzzling elements. In particular, the group-based mechanisms often employed are vulnerable to free-riding and...

Persistent link: https://www.econbiz.de/10010274367

Household decision making and savings impacts: further evidence from a commitment savings product in the Philippines

Ashraf, Nava; Karlan, Dean S.; Yin, Wesley - 2006

Commitment devices for savings could benefit those with self-control as well as familial or spousal control issues. We find evidence to support both motivations. We examine the impact of a commitment savings product in the Philippines on household decision making power and selfperception of...

Persistent link: https://www.econbiz.de/10010274368