Conditional Loans: Flexible Microfinance in Bangladesh
Last registered on March 11, 2017

Pre-Trial

Trial Information
General Information
Title
Conditional Loans: Flexible Microfinance in Bangladesh
RCT ID
AEARCTR-0001287
Initial registration date
May 22, 2016
Last updated
March 11, 2017 6:18 PM EST
Location(s)
Region
Primary Investigator
Affiliation
UC Berkeley
Other Primary Investigator(s)
PI Affiliation
UC Berkeley
PI Affiliation
UC Berkeley
Additional Trial Information
Status
On going
Start date
2016-05-01
End date
2018-01-31
Secondary IDs
Abstract
This research proposes to test a new micro-credit product developed in tandem with BRAC Bangladesh that has been modified in order to make it more useful as a income shock coping mechanism. This new product, called the Emergency Loan is designed to address the main limitations of micro-credit as a useful tool for shock coping by offering guaranteed access to a fixed amount of capital regardless of the level of damage done to the individual. It is hoped that thus designed, the Emergency Loan can provide the positive benefits from micro-insurance while by-passing the issue of low demand associated with those products.
External Link(s)
Registration Citation
Citation
Janvry, Alain, Gregory Lane and Elisabeth Sadoulet. 2017. "Conditional Loans: Flexible Microfinance in Bangladesh." AEA RCT Registry. March 11. https://www.socialscienceregistry.org/trials/1287/history/14885
Experimental Details
Interventions
Intervention(s)
Intervention Start Date
2016-05-05
Intervention End Date
2017-11-30
Primary Outcomes
Primary Outcomes (end points)
Food consumption, business investment, agriculture investment, asset ownership, migration, loans taken, savings, local wages.
Primary Outcomes (explanation)
Secondary Outcomes
Secondary Outcomes (end points)
Secondary Outcomes (explanation)
Experimental Design
Experimental Design
Randomized control trial across established micro-credit branches operated by a large MFI in Bangladesh.
Experimental Design Details
Randomization Method
Randomization in office by computer
Randomization Unit
Microfinance branch
Was the treatment clustered?
Yes
Experiment Characteristics
Sample size: planned number of clusters
200 microfinance branches
Sample size: planned number of observations
4,000 microfinance clients.
Sample size (or number of clusters) by treatment arms
100 branches control, 100 branches treatment.
Minimum detectable effect size for main outcomes (accounting for sample design and clustering)
IRB
INSTITUTIONAL REVIEW BOARDS (IRBs)
IRB Name
UC BERKELEY
IRB Approval Date
2016-04-08
IRB Approval Number
2015-12-8181
Post-Trial
Post Trial Information
Study Withdrawal
Intervention
Is the intervention completed?
No
Is data collection complete?
Data Publication
Data Publication
Is public data available?
No
Program Files
Program Files
Reports and Papers
Preliminary Reports
Relevant Papers