Primary Outcomes (end points)
For RQ1, we will compare the various Treatments versus Control.
o Key outcomes:
(i) take-up (0/1 indicator for sustained presence of retail agent in community);
(ii) % of people that use financial/DF services (access);
(iii) % of people that engage in money management, such as savings, budgeting, and loan management (utilization and/or knowledge);
(iv) enterprise and VSLA groups sales revenue, number of customers, labor supply (operational hours), business income, assets, and business expenses (enterprise development);
(v) services/DFS quality;
(vi) women/adolescents’ empowerment and agency, including downstream outcomes;
(vii) household expenses/consumption; (viii) shocks mitigation;
(ix) poverty at the community level;
(x) local multiplier (and velocity of money)
For RQ2, we will compare Treatments 1 versus 2.
o Key outcomes:
(i) services/DFS quality (prices, transparency, reliability, customer service);
(ii) consumers usage of DFS/reported happiness/well-being/perceptions;
(iii) business income/outcomes.
These broader impacts allow us to measure general equilibrium effects: (i) direct effects (businesses /VSLAs) and (ii) indirect effects (households e.g., consumption expenditure, shocks mitigation; vs community e.g., poverty, local multiplier; vs commercial providers e.g., revenues).