In Ghana, insured loans increased farmers' likelihood of receiving credit by between 15 and 21 percentage points. There was no impact on the likelihood that farmers apply for credit but there was an increase in the likelihood of loan approvals of between 17 and 25 percentage points.
This presentation took place in University of California Davis, United States describing a three-year research project promoting smallholders to purchase index insurance contracts via coupled credit in Ghana.
Social programs began on the notion that their beneficiaries will change some behavior (perhaps due to improved incentives or new knowledge gained during the intervention) pose unique challenges for impact evaluation. Nevertheless, it is difficult to determine when the treatment and control groups should be compared, i.e. when the program in question should be evaluated. This papers explores challenges revolving around these issues.
Relying on a randomized rollout strategy, this paper reports the results of a multi-year impact evaluation that spanned the 5-year life of the program.
