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Field
Planned Number of Clusters
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Before
minimum/expected 250 loan officers.
The sample size is obtained as follows. The set of institutions is obtained by randomly selecting 250 branches in Kampala, Mukono and Wakiso, stratifying by bank tier and location. Notably, commercial banks are excluded from the randomisation, as they are unlikely to lend as little as low as Ush. 1 million. Each selected branch is visited to ask whether they will be willing to participate to the study. If they agree, first it is verified that the institution offers both personal and business loans; second, it is verified that the institution offers as little as Ush. 1 million loans. If these conditions are met, 1 to 2 loan officers are interviewed depending on availability. The procedure continues until exhaustion of the list. The target loan officers number is 250 loan officers. If the 250 branches interview fail to reach the target number, we will perform a second randomisation among the remaining branches.
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After
minimum/expected 250 loan officers.
The sample size is obtained as follows. The set of institutions is obtained by randomly selecting 250 branches in Kampala, Mukono and Wakiso, stratifying by bank tier and location. Notably, commercial banks are excluded from the randomisation, as they are unlikely to lend as little as low as Ush. 1 million. Each selected branch is visited to ask whether they will be willing to participate to the study. If they agree, first it is verified that the institution offers both personal and business loans; second, it is verified that the institution offers as little as Ush. 1 million loans. If these conditions are met, 1 to 2 loan officers are interviewed depending on availability. The procedure continues until exhaustion of the list. The target loan officers number is 250 loan officers. If the 250 branches interview fail to reach the target number, we will perform a second randomisation among the remaining branches.
Outliers:
We consider as poor data and hence exclude from the sample those observations which show variation in the outcome variable of interest "qualify" for a given arm, and specifically bounce on 3. Furthermore, we will consider as outliers those observations which show a consistent negative correlation between "meet" and "qualify".
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