Improving the efficacy and delivery of social protection programs

    Financial Inclusion
    60,000 participants


As a part of the first Policy Innovation Unit in Nigeria – a consortium of organizations established to improve the efficacy and delivery of social protection programs – We designed and tested the effect of social comparison SMS prompts on repayment among beneficiaries of the largest micro-credit scheme in Africa, Government Enterprise Empowerment Programme (GEEP), in a Randomized Controlled Trial (RCT).

For this, 60,000 GEEP MarketMoni beneficiaries were assigned to one of four color categories based on pre-defined criteria related to their outstanding repayment. Within each color category, beneficiaries were randomly assigned to either control or treatment groups, after which they received an SMS every 2 weeks (over a 6-week period) informing them of their color category based on their outstanding repayment. Following the lapse of the intervention period, the key findings from the intervention were as follows:

  • Across all colors, beneficiaries in the treatment groups paid, on average, 19% more than those in the control group.
  • Beneficiaries in the orange color category treatment had 56.9% higher repayments compared to their counterparts who were in the control group.

  • Location
We're hiring!
Subscribe to our Newsletter
  • Get monthly updates on our experiences from the frontlines of applied Behavioral Science.