| Field | Before | After |
|---|---|---|
| Field Last Published | Before December 22, 2021 02:12 PM | After January 10, 2022 02:34 PM |
| Field Intervention Start Date | Before January 24, 2022 | After January 17, 2022 |
| Field Primary Outcomes (End Points) | Before Our key outcomes of interest are initial take-up of digital finance, effects of digital repayment on business outcomes, social and familial outcomes for borrowers, and effects of digital repayment on participation and repayment success in microfinance. | After Our key outcomes of interest are initial take-up of mobile money repayment, loan performance, loan uptake, group attendance, account balance, mobile money confirmation, group membership rates, group cohesion and experience, mobile money knowledge and usage, mobile money perceptions, business performance, household income and consumption, female empowerment, and intimate partner financial control and violence. |
| Field Primary Outcomes (Explanation) | Before | After For a detailed description of each outcome family, please see the PAP under Analysis Plan. |
| Field Experimental Design (Public) | Before We randomly divide microfinance groups into three category to test the effects of digital repayment on microfinance: a control group that still repays with cash, an individual choice group where individual borrowers are each allowed to opt in or out of digital repayment, and a digital repayment group where all borrowers in that group are asked to repay digitally. The randomization is done at the microfinance group-level. As well, we embed a baseline experiment which randomly varies the motivation to complete a practice deposit in the same account which will be used for mobile repayment, testing whether practice increases the likelihood of uptake. | After We randomly divide microfinance groups into three category to test the effects of digital repayment on microfinance: a control group that still repays with cash, an individual choice group where individual borrowers are each allowed to opt in or out of digital repayment, and a digital repayment group where all borrowers in that group are asked to repay digitally. The randomization is done at the microfinance group-level, stratified at the branch level. As well, we embed a baseline experiment which randomly varies the motivation to complete a practice deposit in the same account which will be used for mobile repayment, testing whether practice increases the likelihood of uptake. |
| Field Planned Number of Observations | Before 10,000 microfinance clients | After 10,283 microfinance clients |
| Field Sample size (or number of clusters) by treatment arms | Before Group-level randomization: 236 groups control, 237 groups individual choice, 237 groups digital repayment. Randomization will be stratified at the level of the nine branches under which the groups are organized. Embedded in the baseline, conducted for a subsample of 2000 borrowers, we will do individual-level variation of an information treatment related to mobile money repayment. | After Group-level randomization: 236 groups control, 237 groups individual choice, 237 groups digital repayment. Randomization will be stratified at the level of the nine branches under which the groups are organized. Embedded in the baseline, conducted for a subsample of 2,100 borrowers, we will do individual-level variation of an information treatment related to mobile money repayment. |
| Field Public analysis plan | Before No | After Yes |
| Field | Before | After |
|---|---|---|
| Field Document | Before |
After
Digital+Payment+Pre-Analysis+Plan+10.01.2022.pdf
MD5:
87068493353ed13f749a71f6939c0c8b
SHA1:
806daa53ced9f1bcb9b1c5853187c7febcb230c0
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