Incentivizing Loan Officers to Lend to Women Entrepreneurs: Evidence from Vietnam

Last registered on April 24, 2024
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Pre-Trial

Trial Information

General Information

Title
Incentivizing Loan Officers to Lend to Women Entrepreneurs: Evidence from Vietnam
RCT ID
AEARCTR-0011576
Initial registration date
June 16, 2023

Initial registration date is when the trial was registered.

It corresponds to when the registration was submitted to the Registry to be reviewed for publication.

First published
June 23, 2023, 4:46 PM EDT

First published corresponds to when the trial was first made public on the Registry after being reviewed.

Last updated
April 24, 2024, 3:21 AM EDT

Last updated is the most recent time when changes to the trial's registration were published.

Locations

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Primary Investigator

Name
Russell Toth
Affiliation
University of Sydney
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Other Primary Investigator(s)

PI Name
Markus Taussig
PI Affiliation
Rutgers Business School
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PI Name
David Raitzer
PI Affiliation
Asian Development Bank
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Additional Trial Information

Status
On going
Start date
2023-06-06
End date
2025-12-31
Keywords
Finance & Microfinance, Firms & Productivity, Gender
Additional Keywords
WSME finance, banking, incentive design, financial inclusion, randomized controlled trial, Vietnam
JEL code(s)
O16, G21, J16, O12
Secondary IDs
Pro2023000766
Prior work
This trial does not extend or rely on any prior RCTs.
Abstract
There is evidence that women who own and operate small and medium enterprises receive relatively less bank financing in many emerging markets, including Vietnam. In this study we consider and test the impact of bonus incentives to a bank's lending agents for lending to women owned and operated small and medium enterprises (WSMEs).
External Link(s)

Registration Citation

Citation
Raitzer, David, Markus Taussig and Russell Toth. 2024. "Incentivizing Loan Officers to Lend to Women Entrepreneurs: Evidence from Vietnam." AEA RCT Registry. April 24. https://doi.org/10.1257/rct.11576-4.0
Sponsors & Partners

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Experimental Details

Interventions

Intervention(s)
Bonus incentives to a bank's lending agents for lending to women owned and operated small and medium enterprises (WSMEs).
Intervention Start Date
2023-07-03
Intervention End Date
2024-07-31

Primary Outcomes

Primary Outcomes (end points)
This is provided in the detailed PAP.
Primary Outcomes (explanation)
This is provided in the detailed PAP.

Secondary Outcomes

Secondary Outcomes (end points)
This is provided in the detailed PAP.
Secondary Outcomes (explanation)
This is provided in the detailed PAP.

Experimental Design

Experimental Design
A cluster randomized trial will be used test the impact of bonus incentives to a bank's lending agents for lending to women owned and operated small and medium enterprises (WSMEs).
Experimental Design Details
Not available
Randomization Method
randomization done in office by a computer
Randomization Unit
Bank branch
Was the treatment clustered?
Yes

Experiment Characteristics

Sample size: planned number of clusters
50 bank branches
Sample size: planned number of observations
450 lending agents and their managers (~75), across 50 branches.
Sample size (or number of clusters) by treatment arms
50 branches will be divided into 3 treatment arms: 16-16-18.
Minimum detectable effect size for main outcomes (accounting for sample design and clustering)
This is provided in the detailed PAP.
Supporting Documents and Materials

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IRB

Institutional Review Boards (IRBs)

IRB Name
Rutgers University, Human Research Protection Program (HRPP), Institutional Review Board (IRB)
IRB Approval Date
2023-06-05
IRB Approval Number
Pro2023000766
Analysis Plan

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