Grants and finance can alleviate poverty traps associated with lumpy investments, but the impact on development depends on the supply of investment goods
Offering loans with flexible repayment schedules can improve outcomes for vulnerable borrowers while also reducing the risks faced by lending institutions
Text-based behavioural messaging can reduce delinquency, with the most effective messages either referencing social norms, or sent to individuals with higher socioeconomic status or higher credit scores
