We study a simple savings scheme that allows workers to defer receipt of part their wages for three months at zero interest. The significantly increases during the deferral period, leading higher postdisbursement spending on lumpy goods. Two years later, after two additional rounds scheme, we find treated have made permanent improvements homes. popularity implies lack good alternative options. ...

We evaluate an intervention targeting early life nutrition and well-being for households in extreme poverty Northern Nigeria. The leads to large sustained improvements children’s anthropometric health outcomes, including 8 percent reduction stunting 4 years, post-intervention. These impacts are partly driven by information-related channels. However, the certain substantial flow of cash transfer...

We conduct lab experiments to investigate demand for consumption agency in married couples from Pakistan. Most subjects are no better at guessing their spouse's preferences than those of a stranger, suggesting that individual executive has instrumental value. find significant evidence all experiments, varying with the cost and anticipated benefit agency. But often make choices incompatible pure...

We study the impact of group-based cognitive behavioral therapy (CBT ) for individuals selected from general population poor households in rural Ghana (N = 7,227). Results one to three months after program show strong impacts on mental and perceived physical health, socioemotional skills, economic self-perceptions. These effects hold regardless baseline distress. argue that this is because CBT ...

abstract the study examines the growth effects of foreign direct investment on environmental quality in nigeria between 1970 and 2013. variables like per capita income, environmental degradation, foreign direct investment, human capital, inflation, trade openness, interest rate, and the interaction term between foreign direct investment and carbon emission were employed in the study. a long run...

We study the impact of deliberation on intertemporal choices. Using multiple experiments, including a field in Democratic Republic Congo, we show that introduction waiting periods—a policy temporally separates information about choices from themselves—causes substantially less myopic decisions. These results cannot be captured by models exponential discounting nor present bias. Comparing effect...

This paper examines how subsistence farmers respond to extreme heat. Using microdata from Peruvian households, we find that high temperatures reduce agricultural productivity, increase area planted, and change crop mix. These findings are consistent with using input adjustments as a short-term mechanism attenuate the effect of heat on output. response seems complement other coping strategies, s...

In a field experiment that constructs randomized credit limit shock, participants borrow to spend 11 cents on the dollar in first quarter and 28 by third year. Effects extend those far from limit, who had new limits as available credit, with liquid asset buffer. short-run, flexible installment contracts are used tandem, unconstrained using installments more. Long-run borrowing is predominantly ...

The Supply of Child Labour The paper develops a theoretical framework, and a diagrammatic apparatus, for explaining the supply of child labour. It examines the effect of credit, insurance, and poverty (defined as more than just low income). It also explains bonded child labour, a modern form of slavery closely associated with the worst forms of child exploitation. The analysis is positive, but ...

This paper analyzes an informal financial institution that brings heterogeneous agents together in groups. We analyze decentralized matching into these groups, and the equilibrium composition of participants that consequently arises. We find that participants sort remarkably well across the competing groups, and that they re-sort immediately following an unexpected exogenous regulatory change. ...