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Evaluation of Impacts of Access to Credit and Loan Size for Microcredit Clients in South Africa

Not Applicable
Completed
Conditions
Mental Health
Depression
Stress
Registration Number
NCT00700349
Lead Sponsor
Innovations for Poverty Action
Brief Summary

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.

Detailed Description

Not available

Recruitment & Eligibility

Status
COMPLETED
Sex
All
Target Recruitment
3000
Inclusion Criteria
  • Subjects were recruited from those who had been rejected from a lending organization for non-fraudulent or non-overindebtness reasons.
Exclusion Criteria
  • None.

Study & Design

Study Type
INTERVENTIONAL
Study Design
PARALLEL
Primary Outcome Measures
NameTimeMethod
Center for Epidemiologic Studies Depression Scale (CES-D), a 20-item questionnaire (0 = no risk, 60 = highest risk)At follow-up (6-12 months after subject enrollment)
Perceived stress, measured using the Cohen's Perceived Stress Scale (PSS), a 10-item questionnaire (0 = no stress, 40 = high stress)At follow-up (6-12 months after subject enrollment)
Secondary Outcome Measures
NameTimeMethod
Household income, measured by a variety of questions that asked about all sources of income obtained by all members of the applicant's household.At follow-up (6-12 months after subject enrollment)

Trial Locations

Locations (1)

Innovations for Poverty Action

🇿🇦

Port Elizabeth, South Africa

Innovations for Poverty Action
🇿🇦Port Elizabeth, South Africa

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