Eliciting Client Referrals to Increase Lending to Women Entrepreneurs: Evidence from Vietnam

Last registered on June 23, 2023
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Pre-Trial

Trial Information

General Information

Title
Eliciting Client Referrals to Increase Lending to Women Entrepreneurs: Evidence from Vietnam
RCT ID
AEARCTR-0011590
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.

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
2023-06-12
End date
2025-10-31
Keywords
Finance & Microfinance, Firms & Productivity, Gender
Additional Keywords
Banking; Networks; Time Preference; Altruism
JEL code(s)
Secondary IDs
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 existing clients to refer new women owned and operated small and medium enterprises (WSMEs) as clients, and crossing incentives to the referred WSMEs.
External Link(s)

Registration Citation

Citation
Raitzer, David, Markus Taussig and Russell Toth. 2023. "Eliciting Client Referrals to Increase Lending to Women Entrepreneurs: Evidence from Vietnam." AEA RCT Registry. June 23. https://doi.org/10.1257/rct.11590-1.0
Sponsors & Partners

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Experimental Details

Interventions

Intervention(s)
Incentives to a bank's existing clients for referrals, crossed with incentives to the referred clients on approved loans, for lending to women owned and operated small and medium enterprises (WSMEs).
Intervention Start Date
2023-07-17
Intervention End Date
2024-06-30

Primary Outcomes

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

Secondary Outcomes

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

Experimental Design

Experimental Design
A cluster randomized trial will be used test the impact of incentives to a bank's existing clients for referrals, crossed with incentives to the referred clients on approved loans, 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
1,000 potential-referrer clients across 50 branches
Sample size (or number of clusters) by treatment arms
50 branches will be divided into 3 treatment arms: 17-17-16.
Minimum detectable effect size for main outcomes (accounting for sample design and clustering)
This will be provided in the detailed PAP.
Supporting Documents and Materials
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