Christopher Ksoll|Helene Bie Lilleør|Jonas Helth Lønborg|Ole Dahl Rasmussen
Impact of Village Savings and Loan Associations: Evidence from a cluster randomized trial
University of Ottawa|Rockwool Foundation|University of Southern Denmark|University of Southern Denmark
vast majority worlds poor live rural areas developing countries little access financial services setting village savings loan associations vslas become increasingly widespread intervention aimed improving local financial intermediation using cluster randomized trial investigate impact vslas northern malawi two year period find evidence positive significant intentiontotreat effects several outcomes including number meals consumed per day household expenditure measured usaid poverty assessment tool number rooms dwelling effect linked increase savings credit obtained vslas increased agricultural investments income small businesses