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Tying Odysseus to the Mast: Evidence from a Commitment Savings Product in the Philippines

Ashraf, Nava; Karlan, Dean S.; Yin, Wesley - Economic Growth Center, Economics Department - 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/10005146683

What's Psychology Worth? A Field Experiment in the Consumer Credit Market

Bertrand, Marianne; Karlan, Dean; Mullainathan, Sendhil; … - The Field Experiments Website - 2006

Numerous laboratory studies find that minor nuances of presentation and description change behavior in ways that are inconsistent with standard economic models. How much do these context effects matter in natural settings, when consumers make large, real decisions and have the opportunity to...

Persistent link: https://www.econbiz.de/10005490038

Contract structure, risk sharing and investment choice

Fischer, Gregory - London School of Economics (LSE) - 2011

Few microfinance-funded businesses grow beyond subsistence entrepreneurship. This paper considers one possible … explanation: that the structure of existing microfinance contracts may discourage risky but high-expected return investments. To … microfinance institution in India. The experiments confirm the theoretical predictions that joint liability creates two …

Persistent link: https://www.econbiz.de/10010746368

Contract Structure, Risk Sharing and Investment Choice

Fischer, Greg - Suntory and Toyota International Centres for Economics … - 2011

Persistent link: https://www.econbiz.de/10008838692

What's Psychology Worth? A Field Experiment in the Consumer Credit Market

Bertrand, Marianne; Karlan, Dean S.; Mullainathan, Sendhil - Economic Growth Center, Economics Department - 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/10005558488

Caste-based discrimination, microfinance credit scores, and microfinance loan approvals among females in India

Patel, Pankaj; Lenka, Sambit; Parida, Vinit - In: Business & society 61 (2022) 2, pp. 372-388

Persistent link: https://www.econbiz.de/10012801547

Microfinance institution and moneylenders in a segmented rural credit market

Das, Abhirupa; Sinha, Uday Bhanu - 2022

Persistent link: https://www.econbiz.de/10014375252

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

Insurability in microinsurance markets : an analysis of problems and potential solutions

Biener, Christian; Eling, Martin - In: The Geneva papers on risk and insurance - issues and … 37 (2012) 1, pp. 77-107

Persistent link: https://www.econbiz.de/10009560013

Signalling through joint-liability : an adverse selection model

Barboni, Giorgia - In: Rivista italiana degli economisti : the journal of the … 18 (2013) 3, pp. 299-318

Persistent link: https://www.econbiz.de/10010238529