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Sponsors and Collaborators: |
Innovations for Poverty Action Broadening Access and Strengthening Input Market Systems/USAID U.S. National Science Foundation Bill and Melinda Gates Foundation Princeton University Center for Migration Social Science Research Council Program in Applied Economics Federal Reserve Bank of New York |
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Information provided by: | Innovations for Poverty Action |
ClinicalTrials.gov Identifier: | NCT00700349 |
This study involves randomization of individuals who were initially rejected from a micro-lending organization in South Africa. Subjects were placed into two arms: (1) not receiving a loan; (2) being reconsidered for a "second look." Of those in the second arm, 53% were then selected by the organization's loan officers to receive a standard loan for first-time borrowers. Mental health and financial data were collected at one timepoint: approximately 6-12 months after the subjects first applied for the loan.
Condition | Intervention |
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Mental Health Depression Stress |
Other: Small loan |
Study Type: | Interventional |
Study Design: | Randomized, Single Blind (Outcomes Assessor), Parallel Assignment |
Official Title: | Evaluation of Impacts of Access to Credit and Loan Size for Microcredit Clients in South Africa |
Enrollment: | 3000 |
Study Start Date: | September 2004 |
Study Completion Date: | November 2005 |
Primary Completion Date: | November 2005 (Final data collection date for primary outcome measure) |
Arms | Assigned Interventions |
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1: No Intervention
Individuals who were rejected from receiving a loan from a micro-lending organization were randomized to continue receiving no loan.
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2: Experimental
Individuals who were rejected from receiving a loan from a micro-lending organization were randomized to receive a "second look," to be reconsidered for a loan by loan officers.
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Other: Small loan
Applicants in the treatment group were offered an interest rate, loan size, and maturity per the lender's standard underwriting criteria, involving a 4-month maturity at 11.75% per month, charged on the original balance (200% annual percentage rate).
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Ages Eligible for Study: | 18 Years and older |
Genders Eligible for Study: | Both |
Accepts Healthy Volunteers: | No |
Inclusion Criteria:
Exclusion Criteria:
South Africa | |
Innovations for Poverty Action | |
Cape Town, South Africa | |
Innovations for Poverty Action | |
Durban, South Africa | |
Innovations for Poverty Action | |
Port Elizabeth, South Africa |
Principal Investigator: | Dean Karlan, PhD | Innovations for Poverty Action |
Principal Investigator: | Jonathan Zinman, PhD | Dartmouth University |
Principal Investigator: | Lia Fernald, PhD | University of California, Berkeley |
Responsible Party: | Innovations for Poverty Action ( Dean Karlan ) |
Study ID Numbers: | IPA-2004-SA |
Study First Received: | June 16, 2008 |
Last Updated: | June 17, 2008 |
ClinicalTrials.gov Identifier: | NCT00700349 History of Changes |
Health Authority: | United States: Institutional Review Board |
depression stress microcredit poverty South Africa |
Depression Mental Disorders Mood Disorders |
Stress Depressive Disorder Behavioral Symptoms |
Depression Mental Disorders Mood Disorders Depressive Disorder Behavioral Symptoms |