{"status":"OK","data":{"q":"*","total_count":131,"start":0,"spelling_alternatives":{},"items":[{"name":"Replication Data for: Information Provision, Voter Coordination, and Electoral Accountability: Evidence from Mexican Social Networks","type":"dataset","url":"https://doi.org/10.7910/DVN/8IWRBI","global_id":"doi:10.7910/DVN/8IWRBI","description":"Replication materials for \"Information Provision, Voter Coordination, and Electoral Accountability: Evidence from Mexican Social Networks\"","published_at":"2019-06-25T14:09:57Z","publisher":"American Political Science Review Dataverse","citationHtml":"Arias, Eric; Balan, Pablo; Larreguy, Horacio; Marshall, John; Querubin, Pablo, 2019, \"Replication Data for: Information Provision, Voter Coordination, and Electoral Accountability: Evidence from Mexican Social Networks\", <a href=\"https://doi.org/10.7910/DVN/8IWRBI\" target=\"_blank\">https://doi.org/10.7910/DVN/8IWRBI</a>, Harvard Dataverse, V1","identifier_of_dataverse":"the_review","name_of_dataverse":"American Political Science Review Dataverse","citation":"Arias, Eric; Balan, Pablo; Larreguy, Horacio; Marshall, John; Querubin, Pablo, 2019, \"Replication Data for: Information Provision, Voter Coordination, and Electoral Accountability: Evidence from Mexican Social Networks\", https://doi.org/10.7910/DVN/8IWRBI, Harvard Dataverse, V1","publicationStatuses":["Published"],"storageIdentifier":"s3://10.7910/DVN/8IWRBI","subjects":["Social Sciences"],"fileCount":1,"versionId":193256,"versionState":"RELEASED","majorVersion":1,"minorVersion":1,"createdAt":"2018-12-11T22:42:58Z","updatedAt":"2020-04-21T11:50:00Z","contacts":[{"name":"Arias, Eric","affiliation":"College of William and Mary"},{"name":"Balan, Pablo","affiliation":"Harvard University"},{"name":"Larreguy, Horacio","affiliation":"Harvard University"},{"name":"Marshall, John","affiliation":"Columbia University"},{"name":"Querubin, Pablo","affiliation":"New York University"}],"publications":[{"citation":"Arias, Eric, Pablo Balán, Horacio Larreguy, John Marshall, and Pablo Querubin. 2019. \"Information Provision, Voter Coordination, and Electoral Accountability: Evidence from Mexican Social Networks.\" <i>American Political Science Review</i> 113 (2): 475--98.","url":"https://doi.org/10.1017/S0003055419000091"}],"authors":["Arias, Eric","Balan, Pablo","Larreguy, Horacio","Marshall, John","Querubin, Pablo"]},{"name":"Sustainable Transformation for Youth in Liberia","type":"dataset","url":"https://doi.org/10.7910/DVN/CORNOC","image_url":"https://dataverse.harvard.edu/api/datasets/3020236/logo","global_id":"doi:10.7910/DVN/CORNOC","description":"In many fragile states, poor young men with limited economic opportunities drive high rates of crime and violence, and are easily mobilized into destructive activities such as rioting and rebellion. A large body of largely observational evidence in psychology research in the United States demonstrates that cognitive behavior therapy (CBT), a therapeutic approach to improving a wide range of harmful beliefs and behaviors, is an effective way to reduce violence and criminality among children and adolescents. To understand the potential effectiveness of CBT among adults in fragile states, researchers evaluated the impact of a short-term CBT program and the distribution of unconditional cash transfers on the behavior of high-risk young men in Liberia. Results demonstrate that CBT reduced criminal behavior and improved self-control and self-image among participants; these results were greater for participants who received both CBT and cash grants, but cash grants alone had no impact.","published_at":"2017-06-21T19:52:25Z","publisher":"Innovations for Poverty Action Dataverse","citationHtml":"Blattman, Christopher; Jamison, Julian; Koroknay-Palicz, Tricia; Rodrigues, Katherine; Sheridan, Margaret, 2017, \"Sustainable Transformation for Youth in Liberia\", <a href=\"https://doi.org/10.7910/DVN/CORNOC\" target=\"_blank\">https://doi.org/10.7910/DVN/CORNOC</a>, Harvard Dataverse, V1","identifier_of_dataverse":"ipa","name_of_dataverse":"Innovations for Poverty Action Dataverse","citation":"Blattman, Christopher; Jamison, Julian; Koroknay-Palicz, Tricia; Rodrigues, Katherine; Sheridan, Margaret, 2017, \"Sustainable Transformation for Youth in Liberia\", https://doi.org/10.7910/DVN/CORNOC, Harvard Dataverse, V1","publicationStatuses":["Published"],"storageIdentifier":"s3://10.7910/DVN/CORNOC","keywords":["Peace & Recovery","Cash Transfers","Savings","Training","Ultra Poor","Time Allocation","Labor Supply","Microeconomic Analyses","Economic Development","Illegal Behavior","Enforcement of Law","Behavioral Microeconomics"],"subjects":["Social Sciences"],"fileCount":6,"versionId":177624,"versionState":"RELEASED","majorVersion":1,"minorVersion":1,"createdAt":"2017-05-27T17:16:52Z","updatedAt":"2019-11-13T16:50:17Z","contacts":[{"name":"Research Transparency, Data Ethics, and Governance","affiliation":"Innovations for Poverty Action"}],"relatedMaterial":["The data collected contributed to the publication of: Measuring the measurement error: A Method to Qualitatively Validate Sensitive Survey Data (2016), Journal of Development Economics 120(1): 99–112. Reducing crime and violence: Experimental evidence on cognitive behavioral therapy in Liberia, American Economic Review 107(4): 1165-1206."],"geographicCoverage":[{"country":"Liberia"}],"authors":["Blattman, Christopher","Jamison, Julian","Koroknay-Palicz, Tricia","Rodrigues, Katherine","Sheridan, Margaret"]},{"name":"Replication Data for: Countering misinformation via WhatsApp: Preliminary evidence from the COVID-19 pandemic in Zimbabwe","type":"dataset","url":"https://doi.org/10.7910/DVN/MDF4SO","global_id":"doi:10.7910/DVN/MDF4SO","description":"We examine how information from trusted social media sources can shape knowledge and behavior when misinformation and mistrust are widespread. In the context of the COVID-19 pandemic in Zimbabwe, we partnered with a trusted civil society organization to randomize the timing of the dissemination of messages aimed at targeting misinformation about the virus to 27,000 newsletter WhatsApp subscribers. We examine how exposure to these messages affects individuals’ beliefs about how to deal with the virus and preventative behavior. In a survey of 864 survey respondents, we find a 0.26σ increase in knowledge about COVID-19 as measured by responses to factual questions. Through a list experiment embedded in the survey, we further find that potentially harmful behavior—not abiding by lockdown guidelines—significantly decreased. The results show that social media messaging from trusted sources may have substantively large effects not only on individuals’ knowledge but also ultimately on related behavior.","published_at":"2020-09-22T04:05:23Z","publisher":"Harvard Dataverse","citationHtml":"Bowles, Jeremy; Larreguy, Horacio; Liu, Shelley, 2020, \"Replication Data for: Countering misinformation via WhatsApp: Preliminary evidence from the COVID-19 pandemic in Zimbabwe\", <a href=\"https://doi.org/10.7910/DVN/MDF4SO\" target=\"_blank\">https://doi.org/10.7910/DVN/MDF4SO</a>, Harvard Dataverse, V1, UNF:6:FspZacdOP1tUlYbiS/6YDg== [fileUNF]","identifier_of_dataverse":"harvard","name_of_dataverse":"Harvard Dataverse","citation":"Bowles, Jeremy; Larreguy, Horacio; Liu, Shelley, 2020, \"Replication Data for: Countering misinformation via WhatsApp: Preliminary evidence from the COVID-19 pandemic in Zimbabwe\", https://doi.org/10.7910/DVN/MDF4SO, Harvard Dataverse, V1, UNF:6:FspZacdOP1tUlYbiS/6YDg== [fileUNF]","publicationStatuses":["Published"],"storageIdentifier":"s3://10.7910/DVN/MDF4SO","subjects":["Social Sciences"],"fileCount":4,"versionId":211683,"versionState":"RELEASED","majorVersion":1,"minorVersion":0,"createdAt":"2020-09-22T04:04:46Z","updatedAt":"2020-09-22T04:05:23Z","contacts":[{"name":"Bowles, Jeremy","affiliation":"Harvard University"}],"authors":["Bowles, Jeremy","Larreguy, Horacio","Liu, Shelley"]},{"name":"Unshrouding: Evidence from Bank Overdrafts in Turkey","type":"dataset","url":"https://doi.org/10.7910/DVN/5CBYG5","image_url":"https://dataverse.harvard.edu/api/datasets/3014753/logo","global_id":"doi:10.7910/DVN/5CBYG5","description":"Lower prices produce higher demand… or do they? A bank’s direct marketing to holders of “free” checking accounts show that a large discount on 60% APR overdrafts reduces overdraft usage, especially when bundled with a discount on debit card or auto-debit transactions. In contrast, messages mentioning overdraft availability without mentioning price increase usage. Neither change persists long after messages stop. These results do not square easily with classical models of consumer choice and firm competition. Instead they support behavioral models where consumers both underestimate and are inattentive to overdraft costs, and firms respond by shrouding overdraft prices in equilibrium.","published_at":"2017-06-21T19:16:56Z","publisher":"Innovations for Poverty Action Dataverse","citationHtml":"Alan, Sule; Cemalciclar, Mehmet; Karlan, Dean; Zinman, Jonathan, 2017, \"Unshrouding: Evidence from Bank Overdrafts in Turkey\", <a href=\"https://doi.org/10.7910/DVN/5CBYG5\" target=\"_blank\">https://doi.org/10.7910/DVN/5CBYG5</a>, Harvard Dataverse, V1","identifier_of_dataverse":"ipa","name_of_dataverse":"Innovations for Poverty Action Dataverse","citation":"Alan, Sule; Cemalciclar, Mehmet; Karlan, Dean; Zinman, Jonathan, 2017, \"Unshrouding: Evidence from Bank Overdrafts in Turkey\", https://doi.org/10.7910/DVN/5CBYG5, Harvard Dataverse, V1","publicationStatuses":["Published"],"storageIdentifier":"s3://10.7910/DVN/5CBYG5","keywords":["Household finance","Consumer finance","Behavioral finance","Contingent charges","Deceptive advertising","Transaction-linked credit","Small-dollar loans","Consumer banking","Retail banking","Deposit accounts"],"subjects":["Social Sciences"],"fileCount":5,"versionId":177657,"versionState":"RELEASED","majorVersion":1,"minorVersion":1,"createdAt":"2017-04-28T18:54:13Z","updatedAt":"2019-11-13T18:19:54Z","contacts":[{"name":"Research Transparency, Data Ethics, and Governance","affiliation":"Innovations for Poverty Action"}],"relatedMaterial":["http://www.poverty-action.org/publication/unshrouding-effects-demand-costly-add-evidence-bank-overdrafts-turkey"],"geographicCoverage":[{"country":"Turkey"}],"authors":["Alan, Sule","Cemalciclar, Mehmet","Karlan, Dean","Zinman, Jonathan"]},{"name":"What Matters (and What Does Not) in Households' Decision to Invest in Malaria Prevention","type":"dataset","url":"https://doi.org/10.7910/DVN/EH1PI9","global_id":"doi:10.7910/DVN/EH1PI9","description":"This paper tests the effects on the take-up of a preventative health product of two interventions based on behavioral models derived from psychology: varying the framing of the perceived benefits; and having people verbally commit to purchase the product. I find that none of these interventions had a significant effect (whether economically or statistically) on take-up, and that the gender of the household member targeted was also irrelevant. In contrast, I find that take-up is sensitive to price, as in Cohen and Dupas (2008), and is correlated with indicators of household’s wealth.","published_at":"2017-01-07T03:35:58Z","publisher":"Innovations for Poverty Action Dataverse","citationHtml":"Dupas, Pascaline, 2017, \"What Matters (and What Does Not) in Households' Decision to Invest in Malaria Prevention\", <a href=\"https://doi.org/10.7910/DVN/EH1PI9\" target=\"_blank\">https://doi.org/10.7910/DVN/EH1PI9</a>, Harvard Dataverse, V1, UNF:6:kg1boE0DzVy6yHn1CEKrrA== [fileUNF]","identifier_of_dataverse":"ipa","name_of_dataverse":"Innovations for Poverty Action Dataverse","citation":"Dupas, Pascaline, 2017, \"What Matters (and What Does Not) in Households' Decision to Invest in Malaria Prevention\", https://doi.org/10.7910/DVN/EH1PI9, Harvard Dataverse, V1, UNF:6:kg1boE0DzVy6yHn1CEKrrA== [fileUNF]","publicationStatuses":["Published"],"storageIdentifier":"s3://10.7910/DVN/EH1PI9","keywords":["Health","Government policy","Regulation","Public health","Economic development","Malaria","Product pricing","Technology adoption"],"subjects":["Medicine, Health and Life Sciences","Social Sciences"],"fileCount":5,"versionId":177654,"versionState":"RELEASED","majorVersion":1,"minorVersion":3,"createdAt":"2017-01-07T03:24:43Z","updatedAt":"2019-11-13T18:19:44Z","contacts":[{"name":"Research Transparency, Data Ethics, and Governance","affiliation":"Innovations for Poverty Action"}],"relatedMaterial":["https://www.aeaweb.org/articles?id=10.1257/aer.99.2.224"],"geographicCoverage":[{"country":"Kenya"}],"authors":["Dupas, Pascaline"]},{"name":"Identifying Information Asymmetries in a Consumer Credit Market","type":"dataset","url":"https://doi.org/10.7910/DVN/LZUZNA","image_url":"https://dataverse.harvard.edu/api/datasets/3373475/logo","global_id":"doi:10.7910/DVN/LZUZNA","description":"Information asymmetries are important in theory but difficult to identify in practice. We estimate the presence and importance of hidden information and hidden action problems in a consumer credit market using a new field experiment methodology. We randomized 58,000 direct mail offers to former clients of a major South African lender along three dimensions: (i) an initial “offer interest rate” featured on a direct mail solicitation; (ii) a “contract interest rate” that was revealed only after a borrower agreed to the initial offer rate; and (ii) a dynamic repayment incentive that was also a surprise and extended preferential pricing on future loans to borrowers who remained in good standing. These three randomizations, combined with complete knowledge of the lender's information set, permit identification of specific types of private information problems. Our setup distinguishes hidden information effects from selection on the offer rate (via unobservable risk and anticipated effort), from hidden action effects (via moral hazard in effort) induced by actual contract terms. We find strong evidence of moral hazard and weaker evidence of hidden information problems. A rough estimate suggests that perhaps 13% to 21% of default is due to moral hazard. Asymmetric information thus may help explain the prevalence of credit constraints even in a market that specializes in financing high‐risk borrowers.","published_at":"2019-08-29T20:35:00Z","publisher":"Innovations for Poverty Action Dataverse","citationHtml":"Karlan, Dean; Zinman, Jonathan, 2019, \"Identifying Information Asymmetries in a Consumer Credit Market\", <a href=\"https://doi.org/10.7910/DVN/LZUZNA\" target=\"_blank\">https://doi.org/10.7910/DVN/LZUZNA</a>, Harvard Dataverse, V2, UNF:6:2GCmuxX0BwGikydtXPcE+Q== [fileUNF]","identifier_of_dataverse":"ipa","name_of_dataverse":"Innovations for Poverty Action Dataverse","citation":"Karlan, Dean; Zinman, Jonathan, 2019, \"Identifying Information Asymmetries in a Consumer Credit Market\", https://doi.org/10.7910/DVN/LZUZNA, Harvard Dataverse, V2, UNF:6:2GCmuxX0BwGikydtXPcE+Q== [fileUNF]","publicationStatuses":["Published"],"storageIdentifier":"s3://10.7910/DVN/LZUZNA","keywords":["Advanced selection","Credit markets","Development finance","Information asymmetries microfinance","moral hazard"],"subjects":["Social Sciences"],"fileCount":5,"versionId":153706,"versionState":"RELEASED","majorVersion":2,"minorVersion":0,"createdAt":"2019-02-28T21:38:24Z","updatedAt":"2019-08-29T20:35:00Z","contacts":[{"name":"Research Transparency","affiliation":"Innovations for Poverty Action"}],"geographicCoverage":[{"country":"South Africa"}],"authors":["Karlan, Dean","Zinman, Jonathan"]},{"name":"The Impact of Consulting Services on Small and Medium Enterprises: Evidence from a Randomized Trial in Mexico","type":"dataset","url":"https://doi.org/10.7910/DVN/H74D2A","image_url":"https://dataverse.harvard.edu/api/datasets/3014754/logo","global_id":"doi:10.7910/DVN/H74D2A","description":"Using a randomized evaluation with 432 Mexican small and medium enterprises, we show that access to management consulting had positive effects on total factor productivity and return-on-assets (about 0.2 standard deviations, relative to the control group). Owners also had significant increase in “entrepreneurial spirit” (an index that measures entrepreneurial confidence and goal setting). Using Mexican social security data, we find a persistent large increase (about 50%) in the number of employees and total wage bill even five years after the program. We document large heterogeneity in the specific managerial practices that improved as a result of the consulting, but the three most prominent areas are marketing, financial accounting, and long-term business planning.","published_at":"2018-01-09T15:24:21Z","publisher":"Innovations for Poverty Action Dataverse","citationHtml":"Karlan, Dean; Bruhn, Miriam; Schoar, Antoinette, 2017, \"The Impact of Consulting Services on Small and Medium Enterprises: Evidence from a Randomized Trial in Mexico\", <a href=\"https://doi.org/10.7910/DVN/H74D2A\" target=\"_blank\">https://doi.org/10.7910/DVN/H74D2A</a>, Harvard Dataverse, V2, UNF:6:Bi3tfUloxxabN7TSMbpicQ== [fileUNF]","identifier_of_dataverse":"ipa","name_of_dataverse":"Innovations for Poverty Action Dataverse","citation":"Karlan, Dean; Bruhn, Miriam; Schoar, Antoinette, 2017, \"The Impact of Consulting Services on Small and Medium Enterprises: Evidence from a Randomized Trial in Mexico\", https://doi.org/10.7910/DVN/H74D2A, Harvard Dataverse, V2, UNF:6:Bi3tfUloxxabN7TSMbpicQ== [fileUNF]","publicationStatuses":["Published"],"storageIdentifier":"s3://10.7910/DVN/H74D2A","keywords":["Enterprise growth","Entrepreneurship","Managerial capital"],"subjects":["Social Sciences"],"fileCount":11,"versionId":177656,"versionState":"RELEASED","majorVersion":2,"minorVersion":1,"createdAt":"2017-04-28T19:14:59Z","updatedAt":"2019-11-13T18:20:09Z","contacts":[{"name":"Research Transparency, Data Ethics, and Governance","affiliation":"Innovations for Poverty Action"}],"relatedMaterial":["http://karlan.yale.edu/sites/default/files/consultingmexico_bks_feb2016.pdf"],"geographicCoverage":[{"country":"Mexico","state":"Puebla,"}],"authors":["Karlan, Dean","Bruhn, Miriam","Schoar, Antoinette"]},{"name":"Do Opposites Detract? Intrahousehold Preference Heterogeneity and Inefficient Strategic Savings","type":"dataset","url":"https://doi.org/10.7910/DVN/QQUIZC","global_id":"doi:10.7910/DVN/QQUIZC","description":"This paper uses a field experiment to test whether intrahousehold heterogeneity in discount factors leads to inefficient strategic savings behavior. I gave married couples in rural Kenya the opportunity to open both joint and individual bank accounts at randomly assigned interest rates. I also directly elicited discount factors for all individuals in the experiment. Couples who are well matched on discount factors are less likely to use costly individual accounts and respond robustly to relative rates of return between accounts, while their poorly matched peers do not. Consequently, poorly matched couples forgo significantly more interest earnings on their savings.","published_at":"2017-01-29T15:16:37Z","publisher":"Innovations for Poverty Action Dataverse","citationHtml":"Schaner, Simone, 2017, \"Do Opposites Detract? Intrahousehold Preference Heterogeneity and Inefficient Strategic Savings\", <a href=\"https://doi.org/10.7910/DVN/QQUIZC\" target=\"_blank\">https://doi.org/10.7910/DVN/QQUIZC</a>, Harvard Dataverse, V1, UNF:6:YBNp74AmMwBPA9h+bKg48w== [fileUNF]","identifier_of_dataverse":"ipa","name_of_dataverse":"Innovations for Poverty Action Dataverse","citation":"Schaner, Simone, 2017, \"Do Opposites Detract? Intrahousehold Preference Heterogeneity and Inefficient Strategic Savings\", https://doi.org/10.7910/DVN/QQUIZC, Harvard Dataverse, V1, UNF:6:YBNp74AmMwBPA9h+bKg48w== [fileUNF]","publicationStatuses":["Published"],"storageIdentifier":"s3://10.7910/DVN/QQUIZC","keywords":["Household production","Intrahousehold allocation","Saving","Personal finance","Marriage","Economic development","Domestic abuse"],"subjects":["Social Sciences"],"fileCount":10,"versionId":177625,"versionState":"RELEASED","majorVersion":1,"minorVersion":2,"createdAt":"2017-01-27T19:09:35Z","updatedAt":"2019-11-13T17:30:54Z","contacts":[{"name":"Research Transparency, Data Ethics, and Governance","affiliation":"Innovations for Poverty Action"}],"relatedMaterial":["https://www.povertyactionlab.org/sites/default/files/publications/732%20Opposites%20Attract%20AEJ.pdf"],"geographicCoverage":[{"country":"Kenya","city":"Busia,"}],"authors":["Schaner, Simone"]},{"name":"Getting to the Top of Mind: How Reminders Increase Savings","type":"dataset","url":"https://doi.org/10.7910/DVN/UJD5OP","image_url":"https://dataverse.harvard.edu/api/datasets/3384843/logo","global_id":"doi:10.7910/DVN/UJD5OP","description":"We provide evidence from field experiments with three different banks that reminder messages increase commitment attainment for clients who recently opened commitment savings accounts. Messages that mention both savings goals and financial incentives are particularly effective, whereas other content variations such as gain versus loss framing do not have significantly different effects. Nor do we find evidence that receiving additional late reminders has an additive effect. These empirical results do not map neatly into existing models, so we provide a simple model where limited attention to exceptional expenses can generate undersaving that is in turn mitigated by reminders.","published_at":"2019-05-09T18:39:00Z","publisher":"Innovations for Poverty Action Dataverse","citationHtml":"Karlan, Dean; McConnell, Margaret; Mullainathan, Sendhil; Zinman, Jonathan, 2019, \"Getting to the Top of Mind: How Reminders Increase Savings\", <a href=\"https://doi.org/10.7910/DVN/UJD5OP\" target=\"_blank\">https://doi.org/10.7910/DVN/UJD5OP</a>, Harvard Dataverse, V1, UNF:6:WFOU8k7Z5R80xurkco6PdQ== [fileUNF]","identifier_of_dataverse":"ipa","name_of_dataverse":"Innovations for Poverty Action Dataverse","citation":"Karlan, Dean; McConnell, Margaret; Mullainathan, Sendhil; Zinman, Jonathan, 2019, \"Getting to the Top of Mind: How Reminders Increase Savings\", https://doi.org/10.7910/DVN/UJD5OP, Harvard Dataverse, V1, UNF:6:WFOU8k7Z5R80xurkco6PdQ== [fileUNF]","publicationStatuses":["Published"],"storageIdentifier":"s3://10.7910/DVN/UJD5OP","keywords":["economics: microeconomic behavior","behavior and behavioral decision making","finance"],"subjects":["Social Sciences"],"fileCount":4,"versionId":151623,"versionState":"RELEASED","majorVersion":1,"minorVersion":0,"createdAt":"2019-03-26T17:45:52Z","updatedAt":"2019-05-09T18:39:00Z","contacts":[{"name":"Research Transparency, Data Ethics, and Governance","affiliation":"Innovations for Poverty Action"}],"geographicCoverage":[{"country":"Philippines","city":"Western Mindanao,","other":"rural and small urban areas,"},{"country":"Bolivia, Plurinational State of","other":"urban areas close to Ecofuturo's branches,"},{"country":"Peru","city":"Ica metropolitan area,","other":"rural and urban,"}],"authors":["Karlan, Dean","McConnell, Margaret","Mullainathan, Sendhil","Zinman, Jonathan"]},{"name":"Referrals: Peer Screening and Enforcement in a Consumer Credit Field Experiment","type":"dataset","url":"https://doi.org/10.7910/DVN/PBQE5A","image_url":"https://dataverse.harvard.edu/api/datasets/3084529/logo","global_id":"doi:10.7910/DVN/PBQE5A","description":"Empirical evidence on peer intermediation lags behind both theory and practice in which lenders use peers to mitigate adverse selection and moral hazard. Using a referral incentive under individual liability, we develop a two-stage field experiment that permits separate identification of peer screening and enforcement. Our key contribution is to allow for borrower heterogeneity in both ex ante repayment type and ex post susceptibility to social pressure. Our method allows identification of selection on repayment likelihood, selection on susceptibility to social pressure, and loan enforcement. Implementing our method in South Africa we find no evidence of screening but large enforcement effects.","published_at":"2017-12-08T01:40:17Z","publisher":"Innovations for Poverty Action Dataverse","citationHtml":"Bryan, Gharad; Karlan, Dean; Zinman, Jonathan, 2017, \"Referrals: Peer Screening and Enforcement in a Consumer Credit Field Experiment\", <a href=\"https://doi.org/10.7910/DVN/PBQE5A\" target=\"_blank\">https://doi.org/10.7910/DVN/PBQE5A</a>, Harvard Dataverse, V1","identifier_of_dataverse":"ipa","name_of_dataverse":"Innovations for Poverty Action Dataverse","citation":"Bryan, Gharad; Karlan, Dean; Zinman, Jonathan, 2017, \"Referrals: Peer Screening and Enforcement in a Consumer Credit Field Experiment\", https://doi.org/10.7910/DVN/PBQE5A, Harvard Dataverse, V1","publicationStatuses":["Published"],"storageIdentifier":"s3://10.7910/DVN/PBQE5A","keywords":["Household Saving","Personal Finance","Asymmetric and Private Information","Mechanism Design","Banks","Depository Institutions","Micro Finance Institutions","Mortgages","Microeconomic Analyses of Economic Development","Economic Development: Financial Markets","Saving and Capital Investment","Corporate Finance and Governance"],"subjects":["Social Sciences"],"fileCount":6,"versionId":177631,"versionState":"RELEASED","majorVersion":1,"minorVersion":1,"createdAt":"2017-12-01T18:20:08Z","updatedAt":"2019-11-13T18:14:52Z","contacts":[{"name":"Research Transparency, Data Ethics, and Governance","affiliation":"Innovations for Poverty Action"}],"relatedMaterial":["https://www.aeaweb.org/articles?id=10.1257/mic.20130234"],"geographicCoverage":[{"country":"South Africa","state":"Kwazulu Natal,"}],"authors":["Bryan, Gharad","Karlan, Dean","Zinman, Jonathan"]}],"count_in_response":10}}