Data and Code for: Resisting Social Pressure in the Household Using Mobile Money: Experimental Evidence on Microenterprise Investment in Uganda

Principal Investigator(s): View help for Principal Investigator(s) Emma Riley, University of Michigan

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Project Citation:

Riley, Emma. Data and Code for: Resisting Social Pressure in the Household Using Mobile Money: Experimental Evidence on Microenterprise Investment in Uganda. Nashville, TN: American Economic Association [publisher], 2025. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 2025-02-24. https://doi.org/10.3886/E194886V3

Project Description

Summary: I examine whether changing the form of disbursement of a microfinance loan enables female microfinance borrowers to overcome intra-household sharing pressure and grow their businesses. Using a field experiment with 3,000 borrowers in Uganda, I compare the disbursement of a loan as cash to disbursement onto a digital account. After 8 months, women who received their microfinance loan on the digital account had 11% higher ($70) business capital and 15% higher ($18) profits compared to those who received their loan as cash. Impacts were greatest for women who experienced pressure to share money with others in the household at baseline.

Scope of Project

Subject Terms: microfinance; social sharing pressure; mobile money

JEL Classification:
      C93 Field Experiments
      D13 Household Production and Intrahousehold Allocation
      D14 Household Saving; Personal Finance
      J16 Economics of Gender; Non-labor Discrimination
      O12 Microeconomic Analyses of Economic Development
      O16 Economic Development: Financial Markets; Saving and Capital Investment; Corporate Finance and Governance

Geographic Coverage: Uganda

Time Period(s): 1/2017 – 12/2017

Collection Date(s): 1/2017 – 12/2017

Universe: Female microfinance clients taking a new loan with BRAC Uganda at 7 branches in Kampala and Entebbe between January and June 2017.

Data Type(s): administrative records data; survey data

Collection Notes: None

Methodology

Response Rate: 90%

Sampling: Female microfinance clients taking a new loan who owned their own mobile phone.

Data Source: Original survey data. Administrative records on loan outcomes and mobile money account use.

Collection Mode(s): face-to-face interview

Unit(s) of Observation: Individual

Related Publications

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Published Versions

V3 [2025-02-24]

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DDI 2.5

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