Not provided
Not provided
Not provided
Not provided
Not provided
Not provided
Not provided
Not provided
Not provided
Not provided
Not provided
Not provided
Not provided
Not provided
| Name | Class |
|---|---|
| Broadening Access and Strengthening Input Market Systems/USAID | UNKNOWN |
| U.S. National Science Foundation | FED |
| Bill and Melinda Gates Foundation | OTHER |
This study involves randomization of individuals who were initially rejected from a micro-lending organization in South Africa. Subjects were placed into two arms: (1) not receiving a loan; (2) being reconsidered for a "second look." Of those in the second arm, 53% were then selected by the organization's loan officers to receive a standard loan for first-time borrowers. Mental health and financial data were collected at one timepoint: approximately 6-12 months after the subjects first applied for the loan.
Not provided
Not provided
Not provided
Not provided
Not provided
| Label | Type | Description | Intervention Names |
|---|---|---|---|
| 1 | No Intervention | Individuals who were rejected from receiving a loan from a micro-lending organization were randomized to continue receiving no loan. | |
| 2 | Experimental | Individuals who were rejected from receiving a loan from a micro-lending organization were randomized to receive a "second look," to be reconsidered for a loan by loan officers. |
|
| Name | Type | Description | Arm Group Labels | Other Names |
|---|---|---|---|---|
| Small loan | Other | Applicants in the treatment group were offered an interest rate, loan size, and maturity per the lender's standard underwriting criteria, involving a 4-month maturity at 11.75% per month, charged on the original balance (200% annual percentage rate). |
| Measure | Description | Time Frame |
|---|---|---|
| Center for Epidemiologic Studies Depression Scale (CES-D), a 20-item questionnaire (0 = no risk, 60 = highest risk) | At follow-up (6-12 months after subject enrollment) | |
| Perceived stress, measured using the Cohen's Perceived Stress Scale (PSS), a 10-item questionnaire (0 = no stress, 40 = high stress) | At follow-up (6-12 months after subject enrollment) |
| Measure | Description | Time Frame |
|---|---|---|
| Household income, measured by a variety of questions that asked about all sources of income obtained by all members of the applicant's household. | At follow-up (6-12 months after subject enrollment) |
Not provided
Inclusion Criteria:
Exclusion Criteria:
Not provided
Not provided
Not provided
Not provided
Not provided
Not provided
| Name | Affiliation | Role |
|---|---|---|
| Dean Karlan, PhD | Innovations for Poverty Action | Principal Investigator |
| Jonathan Zinman, PhD | Dartmouth University | Principal Investigator |
| Lia Fernald, PhD | University of California, Berkeley | Principal Investigator |
| Facility | Status | City | State | ZIP | Country | Contacts |
|---|---|---|---|---|---|---|
| Innovations for Poverty Action | Cape Town | South Africa | ||||
| Innovations for Poverty Action |
Not provided
| ID | Term |
|---|---|
| D000092862 | Psychological Well-Being |
| D003863 | Depression |
| ID | Term |
|---|---|
| D010549 | Personal Satisfaction |
| D001519 | Behavior |
| D001526 | Behavioral Symptoms |
Not provided
Not provided
| Princeton University |
| OTHER |
| Social Science Research Council Program in Applied Economics | UNKNOWN |
| Federal Reserve Bank of New York | UNKNOWN |
Not provided
Not provided
Not provided
Not provided
Not provided
| Durban |
| South Africa |
| Innovations for Poverty Action | Port Elizabeth | South Africa |