Give to Caesar
Article Give to Caesar Understanding taxpayer perceptions in Somaliland By Brenda Ogutu As the saying goes — where there is a will, there is inheritance tax. Tax as the…
Who even needs a pound of flesh
Article Who even needs a pound of flesh? Improving loan repayment rates using behavioral science By Opeoluwa Onigbinde and Samuel Oyegunle “Why, I am sure, if he forfeit, thou wilt not take…
How Soon Is Now? Evidence of Present Bias from Convex Time Budget Experiments
Empirically observed intertemporal choices about money have long been thought to exhibit present bias, i.e. higher short-term compared to long-term discount rates. Recently, this view has been called into question…
How to help poor informal workers to save a bit: Evidence from a field experiment in Kenya.
Worldwide, the majority of workers hold jobs in the informal sector that do not provide access to social insurance programs. We partnered with a savings product provider in Kenya to…
Improving uptake while countering adverse selection in digital credit
How can behaviorally informed messaging improve productive uptake of digital credit? The Nigerian Government Enterprise and Empowerment Program (GEEP) is amongst the handful of government-led low-cost microloan programs that are…
Increasing smallholder uptake of seed insurance
How do we make adoption of insurance easier for farmers using behavioral science? ACRE Africa, the brand name of Agriculture and Climate Risk Enterprise Ltd. (ACRE), links farmers to insurance…
Increasing the uptake and usage of mobile money as a savings device
Can simple messaging induce saving habits? The mobile money landscape in Tanzania has been rapidly evolving, closely following Kenya in terms of total penetration. In 2017 more than 50% of…
Improving digital loan repayment behaviors of small businesses
How can we improve digital loan repayment rates through behavioral science? The Government Enterprise and Empowerment Program (GEEP) is an SME micro credit program housed under Nigeria’s National Social Investment…