Evaluation of Impacts of Access to Credit and Loan Size for Microcredit Clients in South Africa
试验速览
- 阶段
- 不适用
- 状态
- 已完成
- 入组人数
- 3,000
- 试验地点
- 3
- 主要终点
- Center for Epidemiologic Studies Depression Scale (CES-D), a 20-item questionnaire (0 = no risk, 60 = highest risk)
研究概览
简要总结
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.
研究设计
- 研究类型
- Interventional
- 分配方式
- Randomized
- 干预模型
- Parallel
- 盲法
- Single (Outcomes Assessor)
入排标准
- 年龄范围
- 18 Years 至 —（Adult, Older Adult）
- 性别
- All
- 接受健康志愿者
- 否
入选标准
- •Subjects were recruited from those who had been rejected from a lending organization for non-fraudulent or non-overindebtness reasons.
排除标准
- 未提供
结局指标
主要结局
Center for Epidemiologic Studies Depression Scale (CES-D), a 20-item questionnaire (0 = no risk, 60 = highest risk)
时间窗: 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)
时间窗: At follow-up (6-12 months after subject enrollment)
次要结局
- 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))