Evaluation of Impacts of Access to Credit and Loan Size for Microcredit Clients in South Africa
NCT ID: NCT00700349
Last Updated: 2008-06-18
Study Results
The study team has not published outcome measurements, participant flow, or safety data for this trial yet. Check back later for updates.
Basic Information
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COMPLETED
NA
3000 participants
INTERVENTIONAL
2004-09-30
2005-11-30
Brief Summary
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Detailed Description
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Conditions
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Keywords
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Study Design
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RANDOMIZED
PARALLEL
SINGLE
Study Groups
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1
Individuals who were rejected from receiving a loan from a micro-lending organization were randomized to continue receiving no loan.
No interventions assigned to this group
2
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.
Small loan
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).
Interventions
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Small loan
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).
Eligibility Criteria
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Inclusion Criteria
Exclusion Criteria
18 Years
ALL
No
Sponsors
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Broadening Access and Strengthening Input Market Systems/USAID
UNKNOWN
U.S. National Science Foundation
FED
Bill and Melinda Gates Foundation
OTHER
Princeton University
OTHER
Social Science Research Council Program in Applied Economics
UNKNOWN
Federal Reserve Bank of New York
UNKNOWN
Innovations for Poverty Action
OTHER
Responsible Party
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Innovations for Poverty Action
Principal Investigators
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Dean Karlan, PhD
Role: PRINCIPAL_INVESTIGATOR
Innovations for Poverty Action
Jonathan Zinman, PhD
Role: PRINCIPAL_INVESTIGATOR
Dartmouth University
Lia Fernald, PhD
Role: PRINCIPAL_INVESTIGATOR
University of California, Berkeley
Locations
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Innovations for Poverty Action
Cape Town, , South Africa
Innovations for Poverty Action
Durban, , South Africa
Innovations for Poverty Action
Port Elizabeth, , South Africa
Countries
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Other Identifiers
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IPA-2004-SA
Identifier Type: -
Identifier Source: org_study_id