Financial Capability https://poverty-action.org/ en Does Self-Perception Affect Consumers’ Willingness to Seek Redress? https://poverty-action.org/blog/does-self-perception-affect-consumers%E2%80%99-willingness-seek-redress <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--title--rss.html.twig * field--node--rss--title--template-g-details-flex.html.twig * field--node--rss--title.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--title--template-g-details-flex.html.twig x field--node--title.html.twig * field--node--template-g-details-flex.html.twig * field--rss--title.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">Does Self-Perception Affect Consumers’ Willingness to Seek Redress?</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--uid--rss.html.twig * field--node--rss--uid--template-g-details-flex.html.twig * field--node--rss--uid.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--uid--template-g-details-flex.html.twig x field--node--uid.html.twig * field--node--template-g-details-flex.html.twig * field--rss--uid.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> <span lang="" about="/user/6" typeof="schema:Person" property="schema:name" datatype="" content="rnastiti@poverty-action.org">rnastiti@pover…</span> <!-- END OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--created--rss.html.twig * field--node--rss--created--template-g-details-flex.html.twig * field--node--rss--created.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--created--template-g-details-flex.html.twig x field--node--created.html.twig * field--node--template-g-details-flex.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Thu, 04/20/2023 - 15:04</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: x links--node.html.twig x links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-template-g-content-blocks--rss.html.twig * field--node--rss--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--rss--field-template-g-content-blocks.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-template-g-content-blocks.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-template-g-content-blocks.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-template-g-content-blocks field--type-entity-reference-revisions field--label-above"> <div class="field__label">Template G Content Blocks</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"><p>In the 1980s, economist Amartya Sen posited his <em><a href="https://www.google.com/books/edition/Commodities_and_Capabilities/v4WxQgAACAAJ?hl=en">capabilities approach</a></em> to understanding human development and welfare. Sen emphasized that increasing welfare requires not only providing access to resources (like education, healthcare, and financial services), but also ensuring individuals have the confidence, agency, and capability to make their own decisions about how (if at all) to use those resources.</p> <p>In the context of financial inclusion, a capabilities approach would ensure that financial services are not only made available to all, but that individuals have the social, economic, and psychological means to use these services, raise complaints (often called grievance redressal), and resolve disputes. In India, we set out to test this dynamic: whether people’s beliefs about their agency influenced their attitudes toward digital financial services (DFS). While digital platforms have brought more people into the formal financial market, the welfare impact of financial services also relies on people’s ability to navigate the financial system, belief that the system is fair, and willingness to seek redressal.</p> <p>In 2022, we conducted a survey in rural areas of Uttar Pradesh and Bihar in India to examine this very dynamic — could <strong>internal</strong> factors like perceived agency drive differences in consumers’ willingness to seek redress? We asked: would women be less likely than men to try to fix a problem in a digital transaction because they believe they have less control over their lives? We also examined how <strong>external</strong> factors like social norms could affect redressal behavior by posing the question: would women be less likely than men to try to fix a problem because of norms that women who attempt to solve digital finance-related problems should fear retribution?</p> <p>Along with our colleague <a href="https://csbc.org.in/pavan-mamidi.php">Pavan Mamidi</a>, we asked women who already use digital financial services through smartphones how they behave when something goes wrong with a transaction. In total we asked 13 interviewees qualitative questions and conducted a survey in which 230 women responded. We specifically asked questions to understand if the following concepts impacted women’s decisions to seek grievance redressal differently than men:</p> <ul><li>Locus of control: beliefs about what controls the course of one's life – either primarily one's own thoughts and actions (known as internal locus of control) or external circumstances (external locus of control) (<a href="https://psycnet.apa.org/record/2011-19211-001">Rotter 1966</a>). Someone with an external locus of control could easily assume that it wouldn’t be worth resolving an issue if their bad luck created the problem in the first place.</li> <li>Self-efficacy: belief in our ability to meet the challenges ahead of us and complete a task (<a href="https://www.sciencedirect.com/science/article/abs/pii/0146640278900024">Bandura 1977</a>). Greater self-efficacy should correspond with a higher likelihood of pursuing grievance redressal.</li> <li>Fatalism: the belief that human lives are predestined and not influenced by individual actions. A highly fatalistic person might believe that having a DFS problem is their destiny and can’t be resolved.</li> </ul><p>Here’s what we found:</p> <ol><li> <p>Out of the three factors, <strong>men and women only differed regarding the locus of control</strong>. While women and men answered similarly regarding self-efficacy and fatalism, female respondents reported significantly lower internal locus of control than men. In other words, <strong>women feel they have less control over their lives than men</strong>. We also observed that a lower internal locus of control is not necessarily associated with lower self-efficacy, as people believe that destiny favors those who work hard.</p> <!-- THEME DEBUG --> <!-- THEME HOOK: 'filter_caption' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content-edit/filter-caption.html.twig' --> <figure role="group" class="caption caption-img align-center"><img alt="Figure 1: Predictors of Grievance Redressal" data-entity-type="file" data-entity-uuid="024828d8-e205-48c2-b0ab-b94d147b3cfc" src="/sites/default/files/inline-images/04072023%20Barnhart%20Argawal%20DFS%20Grievence%20Blog%20visual_0.jpg" width="968" height="604" loading="lazy" /><figcaption><em>Figure 1: Predictors of  Grievance Redressal</em></figcaption></figure><!-- END OUTPUT from 'core/themes/classy/templates/content-edit/filter-caption.html.twig' --></li> <li> <p><strong>Women have less knowledge of how to resolve DFS complaints, but that didn’t impact their trust in DFS.</strong> Knowledge of DFS redressal mechanisms among our respondents was generally low, but women scored significantly lower than men. The mean score for women was 2.54 out of 4; for men, it was 2.7 out of 4. Despite this lack of knowledge, there was no difference in trust in DFS between women and men. This may be due to the fact that we only surveyed people who already use finance apps.</p> </li> <li> <p><strong>Women and men feel the same about reporting DFS issues.</strong> Men in our sample reported a higher perceived norm that their community respects people for seeking redress. Despite this, women and men have similar attitudes in favor of reporting issues they faced while using DFS (80% and 79%, respectively). They also equally feel a sense of unfairness if they encounter problems. While reports of handling past problems on one’s own were similar between men and women, women were significantly more likely than men to ask their family or friends to help solve their DFS-related problems (women sought redressal through family/friends for 39% of their DFS-related problems, while men did this for 32% of their problems).</p> </li> <li> <p><strong>Household and community norms of retribution for making mistakes influence women’s likelihood of seeking redressal on their own.</strong> Women in our sample who reported a higher perceived norm of receiving family backlash for experiencing DFS-related issues were less likely to seek redressal on their own. Conversely, women who reported a higher awareness of DFS among women in their community were more likely to seek redressal on their own, indicating that perceived norms drive differences in behavior.</p> </li> <li><strong>There’s no significant correlation between the three psychological traits and an individual’s likelihood of seeking redressal on their own.</strong> However, our analysis found that locus of control strongly influenced the sample’s likelihood of preferring to ask others for help and doing nothing in response to problems (over seeking redressal independently). Particularly among women, those who reported the belief that other individuals and chance influence the course of their life were more likely to ask others for help with their problems. Conversely, women with a higher internal locus of control were less likely to be inactive in response to their problems.</li> </ol><p>Our data uncover far more similarities than differences by gender among existing DFS users. This finding surprised us, but hindsight provides two plausible explanations. An existing field of research is investigating if technology empowers women, meaning internet access could have increased women’s agency in line with men’s (<a href="https://pubdocs.worldbank.org/en/230281588169110691/Digital-Financial-Services.pdf">Pazarbasioglu et al 2020</a>; <a href="https://www.aeaweb.org/articles?id=10.1257/aer.20200705">Field et al 2021</a>). Perhaps, a more plausible explanation for rural Uttar Pradesh and Bihar is that only women with high agency could access smartphones and use DFS, and therefore be part of this research. In this case, service providers and regulators as well as researchers should be aware that women who already use DFS are unlikely to represent all women. For example, women who are not as confident as these early adopters may need specific assistance to prevent and solve problems when they arise.</p> <p>As a result, the next question we need to answer is whether agency and confidence prevent women from even using digital financial services in the first place, and if they do, find ways to increase these internal motivators of behavior. To make sure formal financial services yield the biggest impact, researchers need to better understand how women’s agency and locus of control can help or hinder the efficacy of financial products.</p> <p><em>This <a href="https://poverty-action.org/strengthening-womens-confidence-dealing-consumer-complaints-india">study</a> was funded by Innovations for Poverty Action (IPA)’s Consumer Protection Research Initiative.</em></p> <p> </p> <p>Cover Photo by <a href="https://unsplash.com/@charanjeet_dhiman?utm_source=unsplash&amp;utm_medium=referral&amp;utm_content=creditCopyText">Charanjeet Dhiman</a> on <a href="https://unsplash.com/photos/mHusyBu4bxM?utm_source=unsplash&amp;utm_medium=referral&amp;utm_content=creditCopyText">Unsplash</a></p> </div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-content-type--rss.html.twig * field--node--rss--field-details-content-type--template-g-details-flex.html.twig * field--node--rss--field-details-content-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-content-type--template-g-details-flex.html.twig * field--node--field-details-content-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-content-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-content-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-content-type field--type-entity-reference field--label-above"> <div class="field__label">Details Content Type</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/10915" hreflang="en">Blogs</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-program-areas--rss.html.twig * field--node--rss--field-details-program-areas--template-g-details-flex.html.twig * field--node--rss--field-details-program-areas.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-program-areas--template-g-details-flex.html.twig * field--node--field-details-program-areas.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-program-areas.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-program-areas.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-program-areas field--type-entity-reference field--label-above"> <div class="field__label">Details Program Areas</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/166" hreflang="en">Financial Inclusion</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-topics--rss.html.twig * field--node--rss--field-details-topics--template-g-details-flex.html.twig * field--node--rss--field-details-topics.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-topics--template-g-details-flex.html.twig * field--node--field-details-topics.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-topics.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-topics.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-topics field--type-entity-reference field--label-above"> <div class="field__label">Details Topics</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/6416" hreflang="en">Consumer Protection</a></div> <div class="field__item"><a href="/taxonomy/term/1851" hreflang="en">Access to Finance</a></div> <div class="field__item"><a href="/taxonomy/term/6581" hreflang="en">Digital Finance</a></div> <div class="field__item"><a href="/taxonomy/term/1886" hreflang="en">Financial Capability</a></div> <div class="field__item"><a href="/taxonomy/term/6411" hreflang="en">Rural Finance</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-countries--rss.html.twig * field--node--rss--field-details-countries--template-g-details-flex.html.twig * field--node--rss--field-details-countries.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-countries--template-g-details-flex.html.twig * field--node--field-details-countries.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-countries.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-countries.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-countries field--type-entity-reference field--label-above"> <div class="field__label">Details Countries</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/68" hreflang="en">India</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-region--rss.html.twig * field--node--rss--field-details-region--template-g-details-flex.html.twig * field--node--rss--field-details-region.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-region--template-g-details-flex.html.twig * field--node--field-details-region.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-region.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-region.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-region field--type-entity-reference field--label-above"> <div class="field__label">Details Region</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/301" hreflang="en">Asia and Oceania</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-author--rss.html.twig * field--node--rss--field-details-author--template-g-details-flex.html.twig * field--node--rss--field-details-author.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-author--template-g-details-flex.html.twig * field--node--field-details-author.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-author.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig x field--field-details-author.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-author.html.twig' --> <div class="field field--name-field-details-author field--type-entity-reference field--label-above"> <div class="field-items-wrapper"> <div class="ind"> <a href="/people/sharon-barnhardt"> <div class="img" style="background-image: url('/sites/default/files/headshots/sharon_barnhardt_0.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Sharon Barnhardt </div> <div class="title"> Ashoka University </div> </div> </a> </div> <div class="ind"> <a href="/people/aayush-agarwal"> <div class="img" style="background-image: url('/sites/default/files/2023-04/Aayush%20Argawal.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Aayush Agarwal </div> <div class="title"> Centre for Social and Behaviour Change, Ashoka University </div> </div> </a> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-author.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-preview-image--rss.html.twig * field--node--rss--field-details-preview-image--template-g-details-flex.html.twig * field--node--rss--field-details-preview-image.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-preview-image--template-g-details-flex.html.twig * field--node--field-details-preview-image.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-preview-image.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-preview-image.html.twig * field--image.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-preview-image field--type-image field--label-above"> <div class="field__label">Details Preview Image</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image_formatter' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <img loading="lazy" src="/sites/default/files/2023-04/Women%20in%20Call%20Center%20Charanjeet%20Dhiman%20Unsplash.png" width="1024" height="683" alt="A woman in a call center in India" typeof="foaf:Image" /> <!-- END OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-event-start-date--rss.html.twig * field--node--rss--field-event-start-date--template-g-details-flex.html.twig * field--node--rss--field-event-start-date.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-event-start-date--template-g-details-flex.html.twig * field--node--field-event-start-date.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-event-start-date.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-event-start-date.html.twig * field--datetime.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-event-start-date field--type-datetime field--label-above"> <div class="field__label">Event Start Date</div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'time' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/time.html.twig' --> <time datetime="2023-04-20T12:00:00Z" class="datetime">Thu, 04/20/2023 - 12:00</time> <!-- END OUTPUT from 'core/themes/classy/templates/field/time.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-event-end-date--rss.html.twig * field--node--rss--field-event-end-date--template-g-details-flex.html.twig * field--node--rss--field-event-end-date.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-event-end-date--template-g-details-flex.html.twig * field--node--field-event-end-date.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-event-end-date.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-event-end-date.html.twig * field--datetime.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-event-end-date field--type-datetime field--label-above"> <div class="field__label">Event End Date</div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'time' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/time.html.twig' --> <time datetime="2023-04-20T12:00:00Z" class="datetime">Thu, 04/20/2023 - 12:00</time> <!-- END OUTPUT from 'core/themes/classy/templates/field/time.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> Thu, 20 Apr 2023 19:04:39 +0000 rnastiti@poverty-action.org 53149 at https://poverty-action.org Enhancing the Potential of E-savings to Boost Women’s Economic Empowerment in Tanzania https://poverty-action.org/publication/enhancing-potential-e-savings-boost-women%E2%80%99s-economic-empowerment-tanzania <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--title--rss.html.twig * field--node--rss--title--template-g-details-flex.html.twig * field--node--rss--title.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--title--template-g-details-flex.html.twig x field--node--title.html.twig * field--node--template-g-details-flex.html.twig * field--rss--title.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">Enhancing the Potential of E-savings to Boost Women’s Economic Empowerment in Tanzania</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--uid--rss.html.twig * field--node--rss--uid--template-g-details-flex.html.twig * field--node--rss--uid.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--uid--template-g-details-flex.html.twig x field--node--uid.html.twig * field--node--template-g-details-flex.html.twig * field--rss--uid.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> <span lang="" about="/user/5" typeof="schema:Person" property="schema:name" datatype="" content="mpodesta@poverty-action.org">mpodesta@pover…</span> <!-- END OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--created--rss.html.twig * field--node--rss--created--template-g-details-flex.html.twig * field--node--rss--created.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--created--template-g-details-flex.html.twig x field--node--created.html.twig * field--node--template-g-details-flex.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Fri, 02/03/2023 - 14:52</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: x links--node.html.twig x links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-template-g-content-blocks--rss.html.twig * field--node--rss--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--rss--field-template-g-content-blocks.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-template-g-content-blocks.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-template-g-content-blocks.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-template-g-content-blocks field--type-entity-reference-revisions field--label-above"> <div class="field__label">Template G Content Blocks</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"><p>This paper explores the role of intra-household bargaining on the take-up, usage, and effects of e-savings accounts offered to female entrepreneurs in Tanzania.</p></div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-content-type--rss.html.twig * field--node--rss--field-details-content-type--template-g-details-flex.html.twig * field--node--rss--field-details-content-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-content-type--template-g-details-flex.html.twig * field--node--field-details-content-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-content-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-content-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-content-type field--type-entity-reference field--label-above"> <div class="field__label">Details Content Type</div> <div class="field__items"> <div class="field__item"><a href="/publications" hreflang="en">Publications</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-program-areas--rss.html.twig * field--node--rss--field-details-program-areas--template-g-details-flex.html.twig * field--node--rss--field-details-program-areas.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-program-areas--template-g-details-flex.html.twig * field--node--field-details-program-areas.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-program-areas.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-program-areas.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-program-areas field--type-entity-reference field--label-above"> <div class="field__label">Details Program Areas</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/166" hreflang="en">Financial Inclusion</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-topics--rss.html.twig * field--node--rss--field-details-topics--template-g-details-flex.html.twig * field--node--rss--field-details-topics.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-topics--template-g-details-flex.html.twig * field--node--field-details-topics.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-topics.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-topics.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-topics field--type-entity-reference field--label-above"> <div class="field__label">Details Topics</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/2061" hreflang="en">Women &amp; Girls</a></div> <div class="field__item"><a href="/taxonomy/term/1886" hreflang="en">Financial Capability</a></div> <div class="field__item"><a href="/taxonomy/term/2006" hreflang="en">Savings</a></div> <div class="field__item"><a href="/taxonomy/term/6581" hreflang="en">Digital Finance</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-countries--rss.html.twig * field--node--rss--field-details-countries--template-g-details-flex.html.twig * field--node--rss--field-details-countries.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-countries--template-g-details-flex.html.twig * field--node--field-details-countries.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-countries.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-countries.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-countries field--type-entity-reference field--label-above"> <div class="field__label">Details Countries</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/104" hreflang="en">Tanzania</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-researchers--rss.html.twig * field--node--rss--field-details-researchers--template-g-details-flex.html.twig * field--node--rss--field-details-researchers.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-researchers--template-g-details-flex.html.twig * field--node--field-details-researchers.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-researchers.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig x field--field-details-researchers.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-researchers.html.twig' --> <div class="field field--name-field-details-researchers field--type-entity-reference field--label-above"> <div class="field-items-wrapper"> <div class="ind"> <a href="/people/sulin-chowdhury"> <div class="img" style="background-image: url('/sites/default/files/2023-02/1664391354290.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Sulin Chowdhury </div> <div class="title"> University of Connecticut </div> </div> </a> </div> <div class="ind"> <a href="/people/nathan-fiala"> <div class="img" style="background-image: url('/sites/default/files/headshots/Nathan-Fiala_updated.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Nathan Fiala </div> <div class="title"> University of Connecticut </div> </div> </a> </div> <div class="ind"> <a href="/people/annekathrin-schoofs"> <div class="img" style="background-image: url('/sites/default/files/2023-02/Schoofs_headshot.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Annekathrin Schoofs </div> <div class="title"> RWI - Leibniz Institute for Economic Research </div> </div> </a> </div> <div class="ind"> <a href="/people/rachel-steinacher"> <div class="img" style="background-image: url('/sites/default/files/headshots/Rachel-Steinacher-Web.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Rachel Steinacher </div> <div class="title"> Director, Business Development </div> </div> </a> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-researchers.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-file--rss.html.twig * field--node--rss--field-file--template-g-details-flex.html.twig * field--node--rss--field-file.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-file--template-g-details-flex.html.twig * field--node--field-file.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-file.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-file.html.twig * field--file.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-file field--type-file field--label-above"> <div class="field__label">File</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'pdfpreview_formatter' --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/pdfpreview-formatter.html.twig' --> <div class="pdfpreview" id="pdfpreview-753344"> <div class="pdfpreview-image-wrapper"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image_formatter' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> <a href="/sites/default/files/2023-02/Enhancing%20the%20Potential%20of%20E-savings%20to%20Boost%20Women%27s%20Economic%20Empowerment%20in%20Tanzania.pdf"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image_style' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image-style.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <img alt="" title="" class="pdfpreview-file image-style-large" src="/sites/default/files/styles/large/public/pdfpreview/753344-Enhancing%20the%20Potential%20of%20E-savings%20to%20Boost%20Women%27s%20Economic%20Empowerment%20in%20Tanzania.png?itok=vwLzEnJu" width="339" height="480" loading="lazy" typeof="foaf:Image" /> <!-- END OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/field/image-style.html.twig' --> </a> <!-- END OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/pdfpreview-formatter.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> Fri, 03 Feb 2023 19:52:57 +0000 mpodesta@poverty-action.org 52934 at https://poverty-action.org Can Personal E-Bank and Savings Accounts Increase Economic Independence of Women? Evidence from Tanzania https://poverty-action.org/can-personal-e-bank-and-savings-accounts-increase-economic-independence-women-evidence-tanzania <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--title--rss.html.twig * field--node--rss--title--template-g-details-flex.html.twig * field--node--rss--title.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--title--template-g-details-flex.html.twig x field--node--title.html.twig * field--node--template-g-details-flex.html.twig * field--rss--title.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">Can Personal E-Bank and Savings Accounts Increase Economic Independence of Women? Evidence from Tanzania </span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--uid--rss.html.twig * field--node--rss--uid--template-g-details-flex.html.twig * field--node--rss--uid.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--uid--template-g-details-flex.html.twig x field--node--uid.html.twig * field--node--template-g-details-flex.html.twig * field--rss--uid.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> <span lang="" about="/user/5" typeof="schema:Person" property="schema:name" datatype="" content="mpodesta@poverty-action.org">mpodesta@pover…</span> <!-- END OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--created--rss.html.twig * field--node--rss--created--template-g-details-flex.html.twig * field--node--rss--created.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--created--template-g-details-flex.html.twig x field--node--created.html.twig * field--node--template-g-details-flex.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Fri, 02/03/2023 - 13:05</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: x links--node.html.twig x links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-template-g-content-blocks--rss.html.twig * field--node--rss--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--rss--field-template-g-content-blocks.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-template-g-content-blocks.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-template-g-content-blocks.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-template-g-content-blocks field--type-entity-reference-revisions field--label-above"> <div class="field__label">Template G Content Blocks</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"><h2>Abstract</h2> <p>Evidence suggests private bank accounts not only strengthen women's financial inclusion but also have the potential to provide greater economic independence. This in turn can lead to greater welfare outcomes for themselves and their households. In Tanzania, researchers provided e-bank and savings accounts to women entrepreneurs and evaluated whether they led to women having greater decision-making abilities over financial resources and better labor market opportunities. Overall, e-savings accounts had no significant impact on monthly income, savings, or productivity for women entrepreneurs. The researchers are further exploring why this is the case.</p> <h2>Policy Issue</h2> <p><span><span><span><span lang="EN" xml:lang="EN" xml:lang="EN"><span>Despite recent progress in global financial inclusion, one in three women are still excluded from formal financial services.<a href="#_ftn1"><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>[1]</span></span></span></a> In developing countries, women are twenty percent less likely than men to have a formal bank or mobile money account, and compose 55 percent of people who do not have access to one.<a href="#_ftn2"><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>[2]</span></span></span></a> Exclusion from financial services can hinder women’s formal employment opportunities as well, as women’s global workforce participation rate is around fifty percent compared to eighty percent for men.<a href="#_ftn3"><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>[3]</span></span></span></a> Household dynamics may contribute to these financial and workforce barriers: in many countries, men often are primary decision-makers in managing household resources and are often the primary or sole income earners. Evidence suggests that in households where women have some control over finances and are involved in the workforce, there is a higher likelihood of spending on family welfare and productivity such as food, healthcare, education, and childcare.<a href="#_ftn4"><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>[4]</span></span></span></a></span></span></span></span></span></p> <p><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>Extensive research exists on the impacts of expanded women’s financial inclusion within society as well as within households. Likewise, many researchers have analyzed the effects of women’s participation in the labor force. However, there is currently a gap in how women’s control over financial resources affects their labor decisions. There is also a gap in the literature in how women respond to having greater control over financial resources and how spouses cooperate in making decisions. This study seeks to fill these gaps by addressing the relationship between expanded financial independence and control over resources and labor market decisions in the context of Tanzania.</span></span></span></p> <h2>Evaluation Context</h2> <p><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>In Tanzania, the share of women financial consumers grew from 16 percent in 2009 to 65 percent in 2017,<a href="#_ftn1"><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>[5]</span></span></span></a> and eighty percent of women are participating in the labor force, one of the highest rates in Africa.<a href="#_ftn2"><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>[6]</span></span></span></a> However, gender gaps still exist</span></span></span><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>, </span></span></span><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>limit</span></span></span><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>ing</span></span></span><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span> women’s economic empowerment. Men are nine percent more likely to possess a formal bank account and eleven percent more likely to possess a mobile money account.<a href="#_ftn3"><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>[7]</span></span></span></a> Extending to the household level, evidence suggests that husbands generally are the primary decision-makers when they have either outright or shared control over the household’s productive and financial resources.<a href="#_ftn4"><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>[8]</span></span></span></a></span></span></span></p> <h2>Details of the Intervention</h2> <p><span><span><span><span lang="EN" xml:lang="EN" xml:lang="EN"><span>In Tanzania, researchers partnered with NMB bank to assess whether providing women with a private or shared e-bank and savings account improved their control in managing household financial resources and making labor market decisions with their husbands.</span></span></span></span></span></p> <p><span><span><span><span lang="EN" xml:lang="EN" xml:lang="EN"><span>Researchers selected 3,307 female entrepreneurs across Tanzania who were married, ran a small or micro business, did not have a bank account, expressed interest in a bank account, and possessed an identification card. The entrepreneurs were divided randomly into the following groups:</span></span></span></span></span></p> <ul><li><span><span><span><strong><span lang="EN" xml:lang="EN" xml:lang="EN"><span>Private bank account: </span></span></strong><span lang="EN" xml:lang="EN" xml:lang="EN"><span>303 female entrepreneurs received a private e-bank and savings account with USD $5 to get started.</span></span></span></span></span></li> <li><span><span><span><strong><span lang="EN" xml:lang="EN" xml:lang="EN"><span>Shared bank account: </span></span></strong><span lang="EN" xml:lang="EN" xml:lang="EN"><span>664 female entrepreneurs received an e-bank and savings account with USD $5 to get started, but their husband knew about the account.</span></span></span></span></span></li> <li><span><span><span><strong><span lang="EN" xml:lang="EN" xml:lang="EN"><span>Shared bank account + household/gender training: </span></span></strong><span lang="EN" xml:lang="EN" xml:lang="EN"><span>1237 female entrepreneurs received an e-bank and savings account that their husbands knew about. Couples were invited to attend a training session about strengthening awareness of gender norms, increasing shared decision-making, and promoting dialogue between spouses.</span></span></span></span></span></li> <li><span><span><span><strong><span lang="EN" xml:lang="EN" xml:lang="EN"><span>No intervention: </span></span></strong><span lang="EN" xml:lang="EN" xml:lang="EN"><span>1103 female entrepreneurs did not receive an e-bank and savings account.</span></span></span></span></span></li> </ul><p><span><span><span><span lang="EN" xml:lang="EN" xml:lang="EN"><span>The intervention took place between 2018 and 2022. Phase I of the baseline survey was conducted in 2019 and Phase II was conducted in 2021. The survey collected information on women’s labor market participation, individual and household income, savings behavior, empowerment, and household dynamics. The midline survey was conducted in September 2020. Researchers conducted endline surveys in 2021 and 2022 to measure the impact of the intervention. In addition to surveys, researchers collected bank administrative data on monthly transactions and account balances from NMB bank to monitor account take-up and usage patterns.</span></span></span></span></span></p> <h2>Results and Policy Lessons</h2> <p><span><span><span><span><em><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>Note: These results are preliminary. More substantive results about the impact of e-savings accounts for women are forthcoming</span></span></span></em><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>.</span></span></span></span></span></span></span></p> <p><span><span><span><span><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>Overall, e-savings accounts had no significant impact on monthly income, savings, or productivity for women entrepreneurs.<br /><br /><strong>Negative effects of private e-bank and savings account: </strong>Women who had a private e-bank and savings account experienced the most significant losses in earnings. They decreased their total income by about 33,000 Tanzanian shillings (TZS) (USD $14) and decreased their profits generated in the last month by 36,000 TZS (USD $15). This is more than fifteen percent of what the average woman entrepreneur brings in as monthly income. Women who used their accounts did so to save money rather than increasing capital for business development or personal use.</span></span></span></span></span></span></span></p> <p><span><span><span><span><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>In addition, nearly all women with a private account had informed their husbands about the account. Most women reported that they would have been stressed if their husband did not know about their bank accounts. Because the account was no longer private, this group was dropped for the remainder of the intervention.</span></span></span></span></span></span></span></p> <p><span><span><span><span><strong><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>Impact of training on account usage and savings rates: </span></span></span></strong><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>While account possession had no impact on their income or savings, women who participated in training had the highest savings rates and account balances compared to women who only received accounts. For example, bank data in November 2020, the end of midline observations, show that trained women on average had TZS 76,365 (USD $32) in their monthly balance compared to TZS 46,627 (USD $20) for women with shared accounts and TZS 18,976 (USD $8) for women with private accounts.</span></span></span></span></span></span></span></p> <p><strong><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>Low usage rates of accounts: </span></span></span></strong><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>38 percent of women who were surveyed were not using the accounts, with many stating that their incomes were too small, which made saving difficult. Among women who used the accounts, 48 percent used them for their business, 37 percent used them to save, and 13 percent used them for personal reasons.</span></span></span></p> <h2>Sources</h2> <p><span><span><span><a href="#_ftnref1"><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>[1]</span></span></span></a> </span></span></span><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>Bin-Human, Yasmin. “5 Challenges for Women’s Financial Inclusion.” <em>CGAP </em>13 February 2017. </span></span></span><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span><a href="https://www.cgap.org/blog/5-challenges-womens-financial-inclusion"><span><span><span><span>https://www.cgap.org/blog/5-challenges-womens-financial-inclusion</span></span></span></span></a></span></span></span></p> <p><span><span><span><a href="#_ftnref2"><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>[2,4]</span></span></span></a> </span></span></span><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>Women’s World Banking, <em>Women’s Financial Inclusion: A Driver for Global Growth </em>(New York: Women’s World Banking, 2016), 8, accessed 8 August 2022 </span></span></span><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span><a href="https://www.womensworldbanking.org/wp-content/uploads/2016/09/Womens-Financial-Inclusion-Driver-Global-Growth.pdf"><span><span><span><span>https://www.womensworldbanking.org/wp-content/uploads/2016/09/Womens-Financial-Inclusion-Driver-Global-Growth.pdf</span></span></span></span></a></span></span></span></p> <p><span><span><span><a href="#_ftnref3"><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>[3]</span></span></span></a> </span></span></span><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>World Bank. “Female labor force participation.” <em>World Bank Group</em> 9 January 2022. </span></span></span><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span><a href="https://genderdata.worldbank.org/data-stories/flfp-data-story/#:~:text=The%20global%20labor%20force%20participation,compared%20to%2080%25%20for%20men."><span><span><span><span>https://genderdata.worldbank.org/data-stories/flfp-data-story/#:~:text=The%20global%20labor%20force%20participation,compared%20to%2080%25%20for%20men.</span></span></span></span></a></span></span></span></p> <p><span><span><span><a href="#_ftnref1"><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>[5]</span></span></span></a><span lang="EN" xml:lang="EN" xml:lang="EN"> </span></span></span></span><span><span><span><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>International Finance Corporation, <em>Leading Tanzanian Women in Financial Services</em> (Washington, DC: World Bank Group, 2021), 126, accessed 8 August 2022 </span></span></span><a href="https://www.ifc.org/wps/wcm/connect/5c21824b-9322-4c09-8803-41c18578aa66/202106-tanzanian-women-in-financial-services.pdf?MOD=AJPERES&amp;CVID=nE-rXoi"><span><span><span><span>https://www.ifc.org/wps/wcm/connect/5c21824b-9322-4c09-8803-41c18578aa66/202106-tanzanian-women-in-financial-services.pdf?MOD=AJPERES&amp;CVID=nE-rXoi</span></span></span></span></a></span></span></span></p> <p><span><span><span><a href="#_ftnref2"><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>[6]</span></span></span></a> </span></span></span><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>World Bank Data. “Labor force participation rate, female (% of female population ages 15+) (modeled ILO estimate) - Tanzania.” <em>World Bank Group </em>June 2022. </span></span></span><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span><a href="https://data.worldbank.org/indicator/SL.TLF.CACT.FE.ZS"><span><span><span><span>https://data.worldbank.org/indicator/SL.TLF.CACT.FE.ZS</span></span></span></span></a></span></span></span></p> <p><span><span><span><a href="#_ftnref3"><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>[7]</span></span></span></a><span lang="EN" xml:lang="EN" xml:lang="EN"><span> </span></span></span></span></span><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>International Finance Corporation. “<span>Finance2Equal Tanzania: Closing Gender Gaps in Tanzania’s Financial Services Sector.” <em>International Finance Corporation </em>May 2020. </span></span></span></span><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span><a href="https://www.ifc.org/wps/wcm/connect/news_ext_content/ifc_external_corporate_site/news+and+events/news/finance2equal+tanzania#:~:text=However%2C%20women%20still%20lag%20men,to%20a%20report%20by%20FinSights."><span><span><span><span>https://www.ifc.org/wps/wcm/connect/news_ext_content/ifc_external_corporate_site/news+and+events/news/finance2equal+tanzania#:~:text=However%2C%20women%20still%20lag%20men,to%20a%20report%20by%20FinSights.</span></span></span></span></a></span></span></span></p> <p><span><span><span><a href="#_ftnref4"><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span>[8]</span></span></span></a><span lang="EN" xml:lang="EN" xml:lang="EN"> </span></span></span></span><span><span><span><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span><span><span>Mwaseba, Devota JB, and Randi Kaarhus. "How do intra-household gender relations affect child nutrition? Findings from two rural districts in Tanzania." In <em>Forum for Development Studies</em>, vol. 42, no. 2, pp. 289-309. Routledge, 2015.</span></span></span></span></span></span></span></span></p> <p><span><span><span><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span><span><span>Nsenga, J. V., and D. L. Mwaseba. "Intra-household gender relations and women participation in non-industrial private forestry in the Southern Highlands of Tanzania." <em>International Forestry Review</em> 23, no. 1 (2021): 68-78.</span></span></span></span></span></span></span></span></p> <p><span><span><span><span lang="EN" xml:lang="EN" xml:lang="EN"><span><span><span><span>D’Exelle, Ben, and Liz Ignowski. "Intra-household resource allocation in rural Tanzania: Why women care about disclosure." <em>The Journal of Development Studies</em> (2022): 1-23.</span></span></span></span></span></span></span></span></p></div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-program-areas--rss.html.twig * field--node--rss--field-details-program-areas--template-g-details-flex.html.twig * field--node--rss--field-details-program-areas.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-program-areas--template-g-details-flex.html.twig * field--node--field-details-program-areas.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-program-areas.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-program-areas.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-program-areas field--type-entity-reference field--label-above"> <div class="field__label">Details Program Areas</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/166" hreflang="en">Financial Inclusion</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-topics--rss.html.twig * field--node--rss--field-details-topics--template-g-details-flex.html.twig * field--node--rss--field-details-topics.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-topics--template-g-details-flex.html.twig * field--node--field-details-topics.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-topics.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-topics.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-topics field--type-entity-reference field--label-above"> <div class="field__label">Details Topics</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/6581" hreflang="en">Digital Finance</a></div> <div class="field__item"><a href="/taxonomy/term/1886" hreflang="en">Financial Capability</a></div> <div class="field__item"><a href="/taxonomy/term/2006" hreflang="en">Savings</a></div> <div class="field__item"><a href="/taxonomy/term/2061" hreflang="en">Women &amp; Girls</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-countries--rss.html.twig * field--node--rss--field-details-countries--template-g-details-flex.html.twig * field--node--rss--field-details-countries.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-countries--template-g-details-flex.html.twig * field--node--field-details-countries.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-countries.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-countries.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-countries field--type-entity-reference field--label-above"> <div class="field__label">Details Countries</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/104" hreflang="en">Tanzania</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-researchers--rss.html.twig * field--node--rss--field-details-researchers--template-g-details-flex.html.twig * field--node--rss--field-details-researchers.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-researchers--template-g-details-flex.html.twig * field--node--field-details-researchers.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-researchers.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig x field--field-details-researchers.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-researchers.html.twig' --> <div class="field field--name-field-details-researchers field--type-entity-reference field--label-above"> <div class="field-items-wrapper"> <div class="ind"> <a href="/people/nathan-fiala"> <div class="img" style="background-image: url('/sites/default/files/headshots/Nathan-Fiala_updated.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Nathan Fiala </div> <div class="title"> University of Connecticut </div> </div> </a> </div> <div class="ind"> <a href="/people/rachel-steinacher"> <div class="img" style="background-image: url('/sites/default/files/headshots/Rachel-Steinacher-Web.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Rachel Steinacher </div> <div class="title"> Director, Business Development </div> </div> </a> </div> <div class="ind"> <a href="/people/annekathrin-schoofs"> <div class="img" style="background-image: url('/sites/default/files/2023-02/Schoofs_headshot.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Annekathrin Schoofs </div> <div class="title"> RWI - Leibniz Institute for Economic Research </div> </div> </a> </div> <div class="ind"> <a href="/people/sulin-chowdhury"> <div class="img" style="background-image: url('/sites/default/files/2023-02/1664391354290.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Sulin Chowdhury </div> <div class="title"> University of Connecticut </div> </div> </a> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-researchers.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-study-status--rss.html.twig * field--node--rss--field-details-study-status--template-g-details-flex.html.twig * field--node--rss--field-details-study-status.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-study-status--template-g-details-flex.html.twig * field--node--field-details-study-status.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-study-status.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-study-status.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-study-status field--type-entity-reference field--label-above"> <div class="field__label">Details Study Status</div> <div class="field__item"><a href="/taxonomy/term/22" hreflang="en">Results</a></div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-study-type--rss.html.twig * field--node--rss--field-details-study-type--template-g-details-flex.html.twig * field--node--rss--field-details-study-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-study-type--template-g-details-flex.html.twig * field--node--field-details-study-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-study-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-study-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-study-type field--type-entity-reference field--label-above"> <div class="field__label">Details Study Type</div> <div class="field__item"><a href="/taxonomy/term/2271" hreflang="en">Randomized Evaluation</a></div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-publication-type--rss.html.twig * field--node--rss--field-details-publication-type--template-g-details-flex.html.twig * field--node--rss--field-details-publication-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-publication-type--template-g-details-flex.html.twig * field--node--field-details-publication-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-publication-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-publication-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-publication-type field--type-entity-reference field--label-above"> <div class="field__label">Details Publication Type</div> <div class="field__item"><a href="/taxonomy/term/11" hreflang="en">Working Paper</a></div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-region--rss.html.twig * field--node--rss--field-details-region--template-g-details-flex.html.twig * field--node--rss--field-details-region.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-region--template-g-details-flex.html.twig * field--node--field-details-region.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-region.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-region.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-region field--type-entity-reference field--label-above"> <div class="field__label">Details Region</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/291" hreflang="en">East Africa</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-staff--rss.html.twig * field--node--rss--field-staff--template-g-details-flex.html.twig * field--node--rss--field-staff.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-staff--template-g-details-flex.html.twig * field--node--field-staff.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-staff.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig x field--field-staff.html.twig * field--entity-reference-revisions.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-staff.html.twig' --> <div class="field field--name-field-staff field--type-entity-reference-revisions field--label-above"> <div class="field-items-wrapper"> <div class="ind"> <a href="/people/caroline-morrow"> <div class="img" style="background-image: url('/sites/default/files/headshots/Caroline-Morrow_updated.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Caroline Morrow </div> <div class="title"> Research Coordinator </div> </div> </a> </div> <div class="ind"> <a href="/people/kyu-khin-gar"> <div class="img" style="background-image: url('/sites/default/files/headshots/Khu-Khin-Gar.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Kyu Khin Gar </div> <div class="title"> Research Manager </div> </div> </a> </div> <div class="ind"> <a href="/people/jasmine-miller"> <div class="img" style="background-image: url('/sites/default/files/headshots/DSC_1008.JPG')"> </div> <div class="meta"> <div class="name notranslate"> Jasmine MIller </div> <div class="title"> Research Assistant </div> </div> </a> </div> <div class="ind"> <a href="/people/rachel-jones"> <div class="img" style="background-image: url('/sites/default/files/headshots/Rachel-Jones.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Rachel Jones </div> <div class="title"> Research Manager </div> </div> </a> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-staff.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sample-size--rss.html.twig * field--node--rss--field-sample-size--template-g-details-flex.html.twig * field--node--rss--field-sample-size.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-sample-size--template-g-details-flex.html.twig * field--node--field-sample-size.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-sample-size.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-sample-size.html.twig * field--string.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-sample-size field--type-string field--label-above"> <div class="field__label">Sample Size</div> <div class="field__item">3,307 female entrepreneurs</div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-timeline--rss.html.twig * field--node--rss--field-timeline--template-g-details-flex.html.twig * field--node--rss--field-timeline.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-timeline--template-g-details-flex.html.twig * field--node--field-timeline.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-timeline.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-timeline.html.twig * field--string-long.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-timeline field--type-string-long field--label-above"> <div class="field__label">Timeline</div> <div class="field__item">2018-2022</div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-implemented-by-ipa--rss.html.twig * field--node--rss--field-implemented-by-ipa--template-g-details-flex.html.twig * field--node--rss--field-implemented-by-ipa.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-implemented-by-ipa--template-g-details-flex.html.twig * field--node--field-implemented-by-ipa.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-implemented-by-ipa.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-implemented-by-ipa.html.twig * field--list-string.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-implemented-by-ipa field--type-list-string field--label-above"> <div class="field__label">Implemented by IPA</div> <div class="field__item">Yes</div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-file--rss.html.twig * field--node--rss--field-file--template-g-details-flex.html.twig * field--node--rss--field-file.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-file--template-g-details-flex.html.twig * field--node--field-file.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-file.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-file.html.twig * field--file.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-file field--type-file field--label-above"> <div class="field__label">File</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'pdfpreview_formatter' --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/pdfpreview-formatter.html.twig' --> <div class="pdfpreview" id="pdfpreview-753345"> <div class="pdfpreview-image-wrapper"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image_formatter' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> <a href="/sites/default/files/2023-02/Enhancing%20the%20Potential%20of%20E-savings%20to%20Boost%20Women%27s%20Economic%20Empowerment%20in%20Tanzania_0.pdf"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image_style' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image-style.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <img alt="" title="" class="pdfpreview-file image-style-large" src="/sites/default/files/styles/large/public/pdfpreview/753345-Enhancing%20the%20Potential%20of%20E-savings%20to%20Boost%20Women%27s%20Economic%20Empowerment%20in%20Tanzania_0.png?itok=95UZzDti" width="339" height="480" loading="lazy" typeof="foaf:Image" /> <!-- END OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/field/image-style.html.twig' --> </a> <!-- END OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/pdfpreview-formatter.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> Fri, 03 Feb 2023 18:05:18 +0000 mpodesta@poverty-action.org 52932 at https://poverty-action.org How Not to Be Fooled by Data, in the Harvard Business Review https://poverty-action.org/news/how-not-be-fooled-data-harvard-business-review-0 <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--title--rss.html.twig * field--node--rss--title--template-g-details-flex.html.twig * field--node--rss--title.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--title--template-g-details-flex.html.twig x field--node--title.html.twig * field--node--template-g-details-flex.html.twig * field--rss--title.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">How Not to Be Fooled by Data, in the Harvard Business Review</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--uid--rss.html.twig * field--node--rss--uid--template-g-details-flex.html.twig * field--node--rss--uid.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--uid--template-g-details-flex.html.twig x field--node--uid.html.twig * field--node--template-g-details-flex.html.twig * field--rss--uid.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> <span lang="" about="/user/16" typeof="schema:Person" property="schema:name" datatype="">bfcontent</span> <!-- END OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--created--rss.html.twig * field--node--rss--created--template-g-details-flex.html.twig * field--node--rss--created.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--created--template-g-details-flex.html.twig x field--node--created.html.twig * field--node--template-g-details-flex.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Wed, 01/11/2023 - 11:47</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: x links--node.html.twig x links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-template-g-content-blocks--rss.html.twig * field--node--rss--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--rss--field-template-g-content-blocks.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-template-g-content-blocks.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-template-g-content-blocks.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-template-g-content-blocks field--type-entity-reference-revisions field--label-above"> <div class="field__label">Template G Content Blocks</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"><p><img alt="826.png" height="99" src="https://www.poverty-action.org/sites/default/files/styles/width-220/public/thumbnails/image/826.png?itok=-bTPdMSk" width="220" /></p> <p>IPA founder <a href="https://www.poverty-action.org/people/Dean-Karlan">Dean Karlan</a>, with researcher <a href="https://www.poverty-action.org/people/Micahel-Luca">M</a><a href="https://www.poverty-action.org/people/michael-luca">ichael Luca</a>, writes in the <em>Harvard Business Review</em> about how not to be led astray in reasoning by correlations. In their practical guide, they draw on IPA's work evaluating credit building loans in the U.S., along with other studies, to show why causal impact is critical to assess. </p> </div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-date--default.html.twig x paragraph--sub-cb30-date.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub-cb30-date.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-date paragraph--view-mode--default"> <div class="cb-date"> April 28, 2022 </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub-cb30-date.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-content-type--rss.html.twig * field--node--rss--field-details-content-type--template-g-details-flex.html.twig * field--node--rss--field-details-content-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-content-type--template-g-details-flex.html.twig * field--node--field-details-content-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-content-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-content-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-content-type field--type-entity-reference field--label-above"> <div class="field__label">Details Content Type</div> <div class="field__items"> <div class="field__item"><a href="/news" hreflang="en">News</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-program-areas--rss.html.twig * field--node--rss--field-details-program-areas--template-g-details-flex.html.twig * field--node--rss--field-details-program-areas.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-program-areas--template-g-details-flex.html.twig * field--node--field-details-program-areas.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-program-areas.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-program-areas.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-program-areas field--type-entity-reference field--label-above"> <div class="field__label">Details Program Areas</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/166" hreflang="en">Financial Inclusion</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-topics--rss.html.twig * field--node--rss--field-details-topics--template-g-details-flex.html.twig * field--node--rss--field-details-topics.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-topics--template-g-details-flex.html.twig * field--node--field-details-topics.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-topics.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-topics.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-topics field--type-entity-reference field--label-above"> <div class="field__label">Details Topics</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/1816" hreflang="en">Behavioral Design</a></div> <div class="field__item"><a href="/taxonomy/term/6581" hreflang="en">Digital Finance</a></div> <div class="field__item"><a href="/taxonomy/term/1886" hreflang="en">Financial Capability</a></div> <div class="field__item"><a href="/taxonomy/term/1936" hreflang="en">Information &amp; Communications Technology (ICT)</a></div> <div class="field__item"><a href="/taxonomy/term/1976" hreflang="en">Payments</a></div> <div class="field__item"><a href="/taxonomy/term/2006" hreflang="en">Savings</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-news-type--rss.html.twig * field--node--rss--field-news-type--template-g-details-flex.html.twig * field--node--rss--field-news-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-news-type--template-g-details-flex.html.twig * field--node--field-news-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-news-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-news-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-news-type field--type-entity-reference field--label-above"> <div class="field__label">News Type</div> <div class="field__item"><a href="/taxonomy/term/201" hreflang="en">Media Coverage</a></div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-link--rss.html.twig * field--node--rss--field-link--template-g-details-flex.html.twig * field--node--rss--field-link.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-link--template-g-details-flex.html.twig * field--node--field-link.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-link.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-link.html.twig * field--link.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-link field--type-link field--label-above"> <div class="field__label">News Article Link - For News Pages ONLY</div> <div class="field__item"><a href="https://hbr.org/2022/04/how-to-use-correlation-to-make-predictions">https://hbr.org/2022/04/how-to-use-correlation-to-make-predictions</a></div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> Wed, 11 Jan 2023 16:47:17 +0000 bfcontent 52838 at https://poverty-action.org How Not to Be Fooled by Data, in the Harvard Business Review https://poverty-action.org/news/how-not-be-fooled-data-harvard-business-review <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--title--rss.html.twig * field--node--rss--title--template-g-details-flex.html.twig * field--node--rss--title.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--title--template-g-details-flex.html.twig x field--node--title.html.twig * field--node--template-g-details-flex.html.twig * field--rss--title.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">How Not to Be Fooled by Data, in the Harvard Business Review</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--uid--rss.html.twig * field--node--rss--uid--template-g-details-flex.html.twig * field--node--rss--uid.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--uid--template-g-details-flex.html.twig x field--node--uid.html.twig * field--node--template-g-details-flex.html.twig * field--rss--uid.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> <span lang="" typeof="schema:Person" property="schema:name" datatype="">Anonymous (not verified)</span> <!-- END OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--created--rss.html.twig * field--node--rss--created--template-g-details-flex.html.twig * field--node--rss--created.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--created--template-g-details-flex.html.twig x field--node--created.html.twig * field--node--template-g-details-flex.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Thu, 04/28/2022 - 17:10</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: x links--node.html.twig x links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-template-g-content-blocks--rss.html.twig * field--node--rss--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--rss--field-template-g-content-blocks.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-template-g-content-blocks.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-template-g-content-blocks.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-template-g-content-blocks field--type-entity-reference-revisions field--label-above"> <div class="field__label">Template G Content Blocks</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"><p><img alt="Harvard Business Review" data-entity-type="file" data-entity-uuid="17c84d47-f6dd-4a06-9f15-06e672b47e98" src="/sites/default/files/inline-images/826.png" width="220" height="99" loading="lazy" /></p> <p>IPA founder <a href="/people/Dean-Karlan" target="_blank">Dean Karlan</a>, with researcher <a href="/people/Micahel-Luca" target="_blank">Micahel Luca</a>, writes in the <em>Harvard Business Review</em> about how not to be led astray in reasoning by correlations. In their practical guide, they draw on IPA's work evaluating credit building loans in the U.S., along with other studies, to show why causal impact is critical to assess. </p> </div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-date--default.html.twig x paragraph--sub-cb30-date.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub-cb30-date.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-date paragraph--view-mode--default"> <div class="cb-date"> April 28, 2022 </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub-cb30-date.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-content-type--rss.html.twig * field--node--rss--field-details-content-type--template-g-details-flex.html.twig * field--node--rss--field-details-content-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-content-type--template-g-details-flex.html.twig * field--node--field-details-content-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-content-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-content-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-content-type field--type-entity-reference field--label-above"> <div class="field__label">Details Content Type</div> <div class="field__items"> <div class="field__item"><a href="/news" hreflang="en">News</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-program-areas--rss.html.twig * field--node--rss--field-details-program-areas--template-g-details-flex.html.twig * field--node--rss--field-details-program-areas.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-program-areas--template-g-details-flex.html.twig * field--node--field-details-program-areas.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-program-areas.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-program-areas.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-program-areas field--type-entity-reference field--label-above"> <div class="field__label">Details Program Areas</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/166" hreflang="en">Financial Inclusion</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-topics--rss.html.twig * field--node--rss--field-details-topics--template-g-details-flex.html.twig * field--node--rss--field-details-topics.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-topics--template-g-details-flex.html.twig * field--node--field-details-topics.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-topics.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-topics.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-topics field--type-entity-reference field--label-above"> <div class="field__label">Details Topics</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/1816" hreflang="en">Behavioral Design</a></div> <div class="field__item"><a href="/taxonomy/term/6581" hreflang="en">Digital Finance</a></div> <div class="field__item"><a href="/taxonomy/term/1886" hreflang="en">Financial Capability</a></div> <div class="field__item"><a href="/taxonomy/term/1936" hreflang="en">Information &amp; Communications Technology (ICT)</a></div> <div class="field__item"><a href="/taxonomy/term/1976" hreflang="en">Payments</a></div> <div class="field__item"><a href="/taxonomy/term/2006" hreflang="en">Savings</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-researchers--rss.html.twig * field--node--rss--field-details-researchers--template-g-details-flex.html.twig * field--node--rss--field-details-researchers.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-researchers--template-g-details-flex.html.twig * field--node--field-details-researchers.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-researchers.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig x field--field-details-researchers.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-researchers.html.twig' --> <div class="field field--name-field-details-researchers field--type-entity-reference field--label-above"> <div class="field-items-wrapper"> <div class="ind"> <a href="/people/dean-karlan"> <div class="img" style="background-image: url('/sites/default/files/2023-08/Dean-Karlan-Headshot-Photo-500px-Square.jpeg')"> </div> <div class="meta"> <div class="name notranslate"> Dean Karlan </div> <div class="title"> Northwestern University </div> </div> </a> </div> <div class="ind"> <a href="/people/michael-luca"> <div class="img" style="background-image: url('/sites/default/files/headshots/headshot.jpeg')"> </div> <div class="meta"> <div class="name notranslate"> Michael Luca </div> <div class="title"> Harvard University </div> </div> </a> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-researchers.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-news-type--rss.html.twig * field--node--rss--field-news-type--template-g-details-flex.html.twig * field--node--rss--field-news-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-news-type--template-g-details-flex.html.twig * field--node--field-news-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-news-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-news-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-news-type field--type-entity-reference field--label-above"> <div class="field__label">News Type</div> <div class="field__item"><a href="/taxonomy/term/201" hreflang="en">Media Coverage</a></div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-link--rss.html.twig * field--node--rss--field-link--template-g-details-flex.html.twig * field--node--rss--field-link.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-link--template-g-details-flex.html.twig * field--node--field-link.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-link.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-link.html.twig * field--link.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-link field--type-link field--label-above"> <div class="field__label">News Article Link - For News Pages ONLY</div> <div class="field__item"><a href="https://hbr.org/2022/04/how-to-use-correlation-to-make-predictions">https://hbr.org/2022/04/how-to-use-correlation-to-make-predictions</a></div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> Thu, 28 Apr 2022 21:10:07 +0000 Anonymous 50661 at https://poverty-action.org Identifying Risk Factors Using Predictive Modeling for Digital Financial Services Fraud in Uganda https://poverty-action.org/study/identifying-risk-factors-using-predictive-modeling-digital-financial-services-fraud-uganda-0 <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--title--rss.html.twig * field--node--rss--title--template-g-details-flex.html.twig * field--node--rss--title.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--title--template-g-details-flex.html.twig x field--node--title.html.twig * field--node--template-g-details-flex.html.twig * field--rss--title.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">Identifying Risk Factors Using Predictive Modeling for Digital Financial Services Fraud in Uganda </span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--uid--rss.html.twig * field--node--rss--uid--template-g-details-flex.html.twig * field--node--rss--uid.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--uid--template-g-details-flex.html.twig x field--node--uid.html.twig * field--node--template-g-details-flex.html.twig * field--rss--uid.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> <span lang="" typeof="schema:Person" property="schema:name" datatype="">Anonymous (not verified)</span> <!-- END OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--created--rss.html.twig * field--node--rss--created--template-g-details-flex.html.twig * field--node--rss--created.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--created--template-g-details-flex.html.twig x field--node--created.html.twig * field--node--template-g-details-flex.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Tue, 03/01/2022 - 17:17</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: x links--node.html.twig x links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-template-g-content-blocks--rss.html.twig * field--node--rss--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--rss--field-template-g-content-blocks.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-template-g-content-blocks.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-template-g-content-blocks.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-template-g-content-blocks field--type-entity-reference-revisions field--label-above"> <div class="field__label">Template G Content Blocks</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"><h2>Abstract</h2><p>Third-party fraud poses a significant threat to the healthy expansion of digital financial services and the financial health of consumers. In Uganda, researchers are conducting data analysis using customer service data and social media to identify risk factors associated with fraud. Based on the results, the research team will design fraud prevention messages aimed at vulnerable populations.</p> <h2>Policy Issue</h2><p>The use of digital financial services (DFS) has increased throughout the developing world, as more consumers rely on these services to send and receive money, take out loans, and save. But third-party fraud—when an individual’s identity or personal details are used without their consent to open new accounts or take over existing accounts—can threaten the reach of digital financial services. The same survey found that consumers who cannot resolve complaints of fraud are more likely to stop or reduce usage of digital financial services compared to those who reported their complaint was resolved.<a href="#_ftn1" name="_ftnref1" title="" id="_ftnref1"><sup><sup>[1]</sup></sup></a></p> <p>Complaints and redress channels offer consumers the opportunity to alert financial service providers or regulators of fraud attempts and potentially mitigate their consequences. However,  they can only be taken <em>after </em>the scam attempt and loss of funds. In Uganda, researchers are using complaint data to identify risk factors for digital financial services fraud and potentially design effective interventions to prevent common fraud risks before they affect a large number of consumers.</p> <h2>Context of the Evaluation</h2><p>A recent <a href="https://www.poverty-action.org/sites/default/files/Uganda-Consumer-Survey-Report.pdf">survey</a> conducted by Innovations for Poverty Action (IPA) found that in Uganda 47 percent of digital financial services users have experienced a fraud attempt via phone or SMS in recent months. More than 50 percent of the actors who committed fraud preyed on the trust in recognized private and public bodies to deceive consumers: 49 percent of fraudsters claimed they were the mobile network operator (MNOs) or financial service provider (FSP) and another 2 percent stated  they were the country’s regulator entity. Between March and September 2020, as many as 500,000 consumers fell victim to third party fraud in the country. Moreover, in Uganda, 33 percent of DFS users surveyed reported attempted phishing fraud in the past 6 months, and 31 percent having been charged extra fees by a mobile money agent.</p> <p>The Uganda Communications Commission  (UCC)  partnered with IPA to develop effective solutions that both regulators and providers can implement to prevent digital financial fraud and reduce direct and indirect costs of fraud.  </p> <h2>Details of the Intervention</h2><p><em>Note: This study is not a randomized controlled trial.</em></p> <p>Researchers are conducting data analysis to identify risk factors associated with fraud in Uganda. Using a database of 7 million fraud reports collected through customer service or social media, the research team identifies patterns that could help predict the likelihood of fraud. The factors analyzed include age, gender, location, and time of the transaction.</p> <p>Based on this analysis, the team will then develop fraud prevention messages aimed at at-risk populations. Possible types of fraud prevention materials may include radio scripts, interactive voice response systems, SMS, posters, and Whatsapp messages. The messages will be tested to identify the best approach to combat fraud. Researchers plan to partner with a mobile network operator to test these solutions with a subsection of consumers.</p> <h2>Results and Policy Lessons</h2><p>Research ongoing; results forthcoming.</p> <h2>Sources</h2><p><a href="#_ftnref1" name="_ftn1" title="" id="_ftn1"><sup><sup>[1]</sup></sup></a> Uganda Consumer Protection in Digital Finance Survey, March 2021 https://www.poverty-action.org/sites/default/files/Uganda-Consumer-Survey-Report.pdf</p> </div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-date--default.html.twig x paragraph--sub-cb30-date.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub-cb30-date.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-date paragraph--view-mode--default"> <div class="cb-date"> March 01, 2022 </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub-cb30-date.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-content-type--rss.html.twig * field--node--rss--field-details-content-type--template-g-details-flex.html.twig * field--node--rss--field-details-content-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-content-type--template-g-details-flex.html.twig * field--node--field-details-content-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-content-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-content-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-content-type field--type-entity-reference field--label-above"> <div class="field__label">Details Content Type</div> <div class="field__items"> <div class="field__item"><a href="/case-studies" hreflang="en">Case Study</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-program-areas--rss.html.twig * field--node--rss--field-details-program-areas--template-g-details-flex.html.twig * field--node--rss--field-details-program-areas.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-program-areas--template-g-details-flex.html.twig * field--node--field-details-program-areas.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-program-areas.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-program-areas.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-program-areas field--type-entity-reference field--label-above"> <div class="field__label">Details Program Areas</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/166" hreflang="en">Financial Inclusion</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-topics--rss.html.twig * field--node--rss--field-details-topics--template-g-details-flex.html.twig * field--node--rss--field-details-topics.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-topics--template-g-details-flex.html.twig * field--node--field-details-topics.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-topics.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-topics.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-topics field--type-entity-reference field--label-above"> <div class="field__label">Details Topics</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/1851" hreflang="en">Access to Finance</a></div> <div class="field__item"><a href="/taxonomy/term/6416" hreflang="en">Consumer Protection</a></div> <div class="field__item"><a href="/taxonomy/term/6581" hreflang="en">Digital Finance</a></div> <div class="field__item"><a href="/taxonomy/term/1886" hreflang="en">Financial Capability</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-countries--rss.html.twig * field--node--rss--field-details-countries--template-g-details-flex.html.twig * field--node--rss--field-details-countries.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-countries--template-g-details-flex.html.twig * field--node--field-details-countries.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-countries.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-countries.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-countries field--type-entity-reference field--label-above"> <div class="field__label">Details Countries</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/109" hreflang="en">Uganda</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-researchers--rss.html.twig * field--node--rss--field-details-researchers--template-g-details-flex.html.twig * field--node--rss--field-details-researchers.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-researchers--template-g-details-flex.html.twig * field--node--field-details-researchers.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-researchers.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig x field--field-details-researchers.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-researchers.html.twig' --> <div class="field field--name-field-details-researchers field--type-entity-reference field--label-above"> <div class="field-items-wrapper"> <div class="ind"> <a href="/people/matthew-bird"> <div class="img" style="background-image: url('/sites/default/files/headshots/Matthew-Bird-Web.png')"> </div> <div class="meta"> <div class="name notranslate"> Matthew Bird </div> <div class="title"> Universidad del Pacífico </div> </div> </a> </div> <div class="ind"> <a href="/people/rafe-mazer"> <div class="img" style="background-image: url('/sites/default/files/headshots/rafe_mazer.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Rafe Mazer </div> <div class="title"> Fair Finance Consulting </div> </div> </a> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-researchers.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-staff--rss.html.twig * field--node--rss--field-staff--template-g-details-flex.html.twig * field--node--rss--field-staff.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-staff--template-g-details-flex.html.twig * field--node--field-staff.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-staff.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig x field--field-staff.html.twig * field--entity-reference-revisions.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-staff.html.twig' --> <div class="field field--name-field-staff field--type-entity-reference-revisions field--label-above"> <div class="field-items-wrapper"> <div class="ind"> <a href="/people/kyla-longman"> <div class="meta"> <div class="name notranslate"> Kyla Longman </div> <div class="title"> Research Manager </div> </div> </a> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-staff.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sample-size--rss.html.twig * field--node--rss--field-sample-size--template-g-details-flex.html.twig * field--node--rss--field-sample-size.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-sample-size--template-g-details-flex.html.twig * field--node--field-sample-size.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-sample-size.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-sample-size.html.twig * field--string.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-sample-size field--type-string field--label-above"> <div class="field__label">Sample Size</div> <div class="field__item"> 7 million individual and social media complaints records</div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-timeline--rss.html.twig * field--node--rss--field-timeline--template-g-details-flex.html.twig * field--node--rss--field-timeline.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-timeline--template-g-details-flex.html.twig * field--node--field-timeline.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-timeline.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-timeline.html.twig * field--string-long.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-timeline field--type-string-long field--label-above"> <div class="field__label">Timeline</div> <div class="field__item">2021-2022</div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-implemented-by-ipa--rss.html.twig * field--node--rss--field-implemented-by-ipa--template-g-details-flex.html.twig * field--node--rss--field-implemented-by-ipa.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-implemented-by-ipa--template-g-details-flex.html.twig * field--node--field-implemented-by-ipa.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-implemented-by-ipa.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-implemented-by-ipa.html.twig * field--list-string.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-implemented-by-ipa field--type-list-string field--label-above"> <div class="field__label">Implemented by IPA</div> <div class="field__item">Yes</div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-post-teaser-text--rss.html.twig * field--node--rss--field-post-teaser-text--template-g-details-flex.html.twig * field--node--rss--field-post-teaser-text.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-post-teaser-text--template-g-details-flex.html.twig * field--node--field-post-teaser-text.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-post-teaser-text.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-post-teaser-text.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-post-teaser-text field--type-text-long field--label-above"> <div class="field__label">Post Teaser Text</div> <div class="field__item"><p>Third-party fraud poses a significant threat to the healthy expansion of digital financial services and the financial health of consumers.In Uganda, researchers are conducting data analysis using customer service data and social media to identify risk factors associated with fraud.Based on the results, the research team will design fraud prevention messages aimed at vulnerable populations.<br /> The use of digital financial services (DFS) has increased throughout the developing world, as more consumers rely on these services to send and receive money, take out loans, and save.</p> </div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> Tue, 01 Mar 2022 22:17:59 +0000 Anonymous 50121 at https://poverty-action.org Identifying Risk Factors Using Predictive Modeling for Digital Financial Services Fraud in Uganda https://poverty-action.org/study/identifying-risk-factors-using-predictive-modeling-digital-financial-services-fraud-uganda <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--title--rss.html.twig * field--node--rss--title--template-g-details-flex.html.twig * field--node--rss--title.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--title--template-g-details-flex.html.twig x field--node--title.html.twig * field--node--template-g-details-flex.html.twig * field--rss--title.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">Identifying Risk Factors Using Predictive Modeling for Digital Financial Services Fraud in Uganda </span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--uid--rss.html.twig * field--node--rss--uid--template-g-details-flex.html.twig * field--node--rss--uid.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--uid--template-g-details-flex.html.twig x field--node--uid.html.twig * field--node--template-g-details-flex.html.twig * field--rss--uid.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> <span lang="" typeof="schema:Person" property="schema:name" datatype="">Anonymous (not verified)</span> <!-- END OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--created--rss.html.twig * field--node--rss--created--template-g-details-flex.html.twig * field--node--rss--created.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--created--template-g-details-flex.html.twig x field--node--created.html.twig * field--node--template-g-details-flex.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Tue, 03/01/2022 - 17:17</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: x links--node.html.twig x links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-template-g-content-blocks--rss.html.twig * field--node--rss--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--rss--field-template-g-content-blocks.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-template-g-content-blocks.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-template-g-content-blocks.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-template-g-content-blocks field--type-entity-reference-revisions field--label-above"> <div class="field__label">Template G Content Blocks</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"><h2>Abstract</h2><p>Third-party fraud poses a significant threat to the healthy expansion of digital financial services and the financial health of consumers. In Uganda, researchers are conducting data analysis using customer service data and social media to identify risk factors associated with fraud. Based on the results, the research team will design fraud prevention messages aimed at vulnerable populations.</p> <h2>Policy Issue</h2><p>The use of digital financial services (DFS) has increased throughout the developing world, as more consumers rely on these services to send and receive money, take out loans, and save. But third-party fraud—when an individual’s identity or personal details are used without their consent to open new accounts or take over existing accounts—can threaten the reach of digital financial services. The same survey found that consumers who cannot resolve complaints of fraud are more likely to stop or reduce usage of digital financial services compared to those who reported their complaint was resolved.<a href="#_ftn1" name="_ftnref1" title="" id="_ftnref1"><sup><sup>[1]</sup></sup></a></p> <p>Complaints and redress channels offer consumers the opportunity to alert financial service providers or regulators of fraud attempts and potentially mitigate their consequences. However,  they can only be taken <em>after </em>the scam attempt and loss of funds. In Uganda, researchers are using complaint data to identify risk factors for digital financial services fraud and potentially design effective interventions to prevent common fraud risks before they affect a large number of consumers.</p> <h2>Context of the Evaluation</h2><p>A recent <a href="https://www.poverty-action.org/sites/default/files/Uganda-Consumer-Survey-Report.pdf">survey</a> conducted by Innovations for Poverty Action (IPA) found that in Uganda 47 percent of digital financial services users have experienced a fraud attempt via phone or SMS in recent months. More than 50 percent of the actors who committed fraud preyed on the trust in recognized private and public bodies to deceive consumers: 49 percent of fraudsters claimed they were the mobile network operator (MNOs) or financial service provider (FSP) and another 2 percent stated  they were the country’s regulator entity. Between March and September 2020, as many as 500,000 consumers fell victim to third party fraud in the country. Moreover, in Uganda, 33 percent of DFS users surveyed reported attempted phishing fraud in the past 6 months, and 31 percent having been charged extra fees by a mobile money agent.</p> <p>The Uganda Communications Commission  (UCC)  partnered with IPA to develop effective solutions that both regulators and providers can implement to prevent digital financial fraud and reduce direct and indirect costs of fraud.  </p> <h2>Details of the Intervention</h2><p><em>Note: This study is not a randomized controlled trial.</em></p> <p>Researchers are conducting data analysis to identify risk factors associated with fraud in Uganda. Using a database of 7 million fraud reports collected through customer service or social media, the research team identifies patterns that could help predict the likelihood of fraud. The factors analyzed include age, gender, location, and time of the transaction.</p> <p>Based on this analysis, the team will then develop fraud prevention messages aimed at at-risk populations. Possible types of fraud prevention materials may include radio scripts, interactive voice response systems, SMS, posters, and Whatsapp messages. The messages will be tested to identify the best approach to combat fraud. Researchers plan to partner with a mobile network operator to test these solutions with a subsection of consumers.</p> <h2>Results and Policy Lessons</h2><p>Research ongoing; results forthcoming.</p> <h2>Sources</h2><p><a href="#_ftnref1" name="_ftn1" title="" id="_ftn1"><sup><sup>[1]</sup></sup></a> Uganda Consumer Protection in Digital Finance Survey, March 2021 https://www.poverty-action.org/sites/default/files/Uganda-Consumer-Survey-Report.pdf</p> </div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-date--default.html.twig x paragraph--sub-cb30-date.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub-cb30-date.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-date paragraph--view-mode--default"> <div class="cb-date"> March 01, 2022 </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub-cb30-date.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-content-type--rss.html.twig * field--node--rss--field-details-content-type--template-g-details-flex.html.twig * field--node--rss--field-details-content-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-content-type--template-g-details-flex.html.twig * field--node--field-details-content-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-content-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-content-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-content-type field--type-entity-reference field--label-above"> <div class="field__label">Details Content Type</div> <div class="field__items"> <div class="field__item"><a href="/case-studies" hreflang="en">Case Study</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-program-areas--rss.html.twig * field--node--rss--field-details-program-areas--template-g-details-flex.html.twig * field--node--rss--field-details-program-areas.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-program-areas--template-g-details-flex.html.twig * field--node--field-details-program-areas.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-program-areas.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-program-areas.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-program-areas field--type-entity-reference field--label-above"> <div class="field__label">Details Program Areas</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/166" hreflang="en">Financial Inclusion</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-topics--rss.html.twig * field--node--rss--field-details-topics--template-g-details-flex.html.twig * field--node--rss--field-details-topics.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-topics--template-g-details-flex.html.twig * field--node--field-details-topics.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-topics.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-topics.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-topics field--type-entity-reference field--label-above"> <div class="field__label">Details Topics</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/1851" hreflang="en">Access to Finance</a></div> <div class="field__item"><a href="/taxonomy/term/6416" hreflang="en">Consumer Protection</a></div> <div class="field__item"><a href="/taxonomy/term/6581" hreflang="en">Digital Finance</a></div> <div class="field__item"><a href="/taxonomy/term/1886" hreflang="en">Financial Capability</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-countries--rss.html.twig * field--node--rss--field-details-countries--template-g-details-flex.html.twig * field--node--rss--field-details-countries.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-countries--template-g-details-flex.html.twig * field--node--field-details-countries.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-countries.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-countries.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-countries field--type-entity-reference field--label-above"> <div class="field__label">Details Countries</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/109" hreflang="en">Uganda</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-researchers--rss.html.twig * field--node--rss--field-details-researchers--template-g-details-flex.html.twig * field--node--rss--field-details-researchers.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-researchers--template-g-details-flex.html.twig * field--node--field-details-researchers.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-researchers.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig x field--field-details-researchers.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-researchers.html.twig' --> <div class="field field--name-field-details-researchers field--type-entity-reference field--label-above"> <div class="field-items-wrapper"> <div class="ind"> <a href="/people/matthew-bird"> <div class="img" style="background-image: url('/sites/default/files/headshots/Matthew-Bird-Web.png')"> </div> <div class="meta"> <div class="name notranslate"> Matthew Bird </div> <div class="title"> Universidad del Pacífico </div> </div> </a> </div> <div class="ind"> <a href="/people/rafe-mazer"> <div class="img" style="background-image: url('/sites/default/files/headshots/rafe_mazer.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Rafe Mazer </div> <div class="title"> Fair Finance Consulting </div> </div> </a> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-researchers.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-staff--rss.html.twig * field--node--rss--field-staff--template-g-details-flex.html.twig * field--node--rss--field-staff.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-staff--template-g-details-flex.html.twig * field--node--field-staff.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-staff.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig x field--field-staff.html.twig * field--entity-reference-revisions.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-staff.html.twig' --> <div class="field field--name-field-staff field--type-entity-reference-revisions field--label-above"> <div class="field-items-wrapper"> <div class="ind"> <a href="/people/kyla-longman"> <div class="meta"> <div class="name notranslate"> Kyla Longman </div> <div class="title"> Research Manager </div> </div> </a> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-staff.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sample-size--rss.html.twig * field--node--rss--field-sample-size--template-g-details-flex.html.twig * field--node--rss--field-sample-size.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-sample-size--template-g-details-flex.html.twig * field--node--field-sample-size.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-sample-size.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-sample-size.html.twig * field--string.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-sample-size field--type-string field--label-above"> <div class="field__label">Sample Size</div> <div class="field__item"> 7 million individual and social media complaints records</div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-timeline--rss.html.twig * field--node--rss--field-timeline--template-g-details-flex.html.twig * field--node--rss--field-timeline.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-timeline--template-g-details-flex.html.twig * field--node--field-timeline.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-timeline.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-timeline.html.twig * field--string-long.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-timeline field--type-string-long field--label-above"> <div class="field__label">Timeline</div> <div class="field__item">2021-2022</div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-implemented-by-ipa--rss.html.twig * field--node--rss--field-implemented-by-ipa--template-g-details-flex.html.twig * field--node--rss--field-implemented-by-ipa.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-implemented-by-ipa--template-g-details-flex.html.twig * field--node--field-implemented-by-ipa.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-implemented-by-ipa.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-implemented-by-ipa.html.twig * field--list-string.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-implemented-by-ipa field--type-list-string field--label-above"> <div class="field__label">Implemented by IPA</div> <div class="field__item">Yes</div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-post-teaser-text--rss.html.twig * field--node--rss--field-post-teaser-text--template-g-details-flex.html.twig * field--node--rss--field-post-teaser-text.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-post-teaser-text--template-g-details-flex.html.twig * field--node--field-post-teaser-text.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-post-teaser-text.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-post-teaser-text.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-post-teaser-text field--type-text-long field--label-above"> <div class="field__label">Post Teaser Text</div> <div class="field__item"><p>Third-party fraud poses a significant threat to the healthy expansion of digital financial services and the financial health of consumers.In Uganda, researchers are conducting data analysis using customer service data and social media to identify risk factors associated with fraud.Based on the results, the research team will design fraud prevention messages aimed at vulnerable populations.<br /> The use of digital financial services (DFS) has increased throughout the developing world, as more consumers rely on these services to send and receive money, take out loans, and save.</p> </div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> Tue, 01 Mar 2022 22:17:57 +0000 Anonymous 50116 at https://poverty-action.org El impacto de la Reforma de Garantías Mobiliarias en el Acceso a Capital de Pequeñas y Medianas Empresas en Colombia https://poverty-action.org/publication/el-impacto-de-la-reforma-de-garanti%CC%81as-mobiliarias-en-el-acceso-capital-de-pequen%CC%83as-y <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--title--rss.html.twig * field--node--rss--title--template-g-details-flex.html.twig * field--node--rss--title.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--title--template-g-details-flex.html.twig x field--node--title.html.twig * field--node--template-g-details-flex.html.twig * field--rss--title.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden"> El impacto de la Reforma de Garantías Mobiliarias en el Acceso a Capital de Pequeñas y Medianas Empresas en Colombia</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--uid--rss.html.twig * field--node--rss--uid--template-g-details-flex.html.twig * field--node--rss--uid.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--uid--template-g-details-flex.html.twig x field--node--uid.html.twig * field--node--template-g-details-flex.html.twig * field--rss--uid.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> <span lang="" typeof="schema:Person" property="schema:name" datatype="">Anonymous (not verified)</span> <!-- END OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--created--rss.html.twig * field--node--rss--created--template-g-details-flex.html.twig * field--node--rss--created.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--created--template-g-details-flex.html.twig x field--node--created.html.twig * field--node--template-g-details-flex.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Tue, 02/08/2022 - 16:08</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: x links--node.html.twig x links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-template-g-content-blocks--rss.html.twig * field--node--rss--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--rss--field-template-g-content-blocks.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-template-g-content-blocks.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-template-g-content-blocks.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-template-g-content-blocks field--type-entity-reference-revisions field--label-above"> <div class="field__label">Template G Content Blocks</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"><p>Las pequeñas y medianas empresas (PYMEs) de los países en desarrollo suelen enfrentarse a una serie de obstáculos para ampliar sus negocios y emplear a más trabajadores, como el acceso limitado al crédito y a otros servicios financieros. En Colombia, donde las PYMEs afirman que el acceso a la financiación es uno de los mayores obstáculos para el funcionamiento de sus negocios, los investigadores están evaluando el impacto de la Reforma de Garantías Mobiliarias, que proporcionará un marco legal para el uso y la ejecución de las garantías haciendo uso de bienes muebles, en resultados a nivel de empresa, como ventas y empleo.</p> </div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-date--default.html.twig x paragraph--sub-cb30-date.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub-cb30-date.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-date paragraph--view-mode--default"> <div class="cb-date"> February 08, 2013 </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub-cb30-date.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-content-type--rss.html.twig * field--node--rss--field-details-content-type--template-g-details-flex.html.twig * field--node--rss--field-details-content-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-content-type--template-g-details-flex.html.twig * field--node--field-details-content-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-content-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-content-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-content-type field--type-entity-reference field--label-above"> <div class="field__label">Details Content Type</div> <div class="field__items"> <div class="field__item"><a href="/publications" hreflang="en">Publications</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-program-areas--rss.html.twig * field--node--rss--field-details-program-areas--template-g-details-flex.html.twig * field--node--rss--field-details-program-areas.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-program-areas--template-g-details-flex.html.twig * field--node--field-details-program-areas.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-program-areas.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-program-areas.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-program-areas field--type-entity-reference field--label-above"> <div class="field__label">Details Program Areas</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/186" hreflang="en">Entrepreneurship &amp; Private Sector Development</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-topics--rss.html.twig * field--node--rss--field-details-topics--template-g-details-flex.html.twig * field--node--rss--field-details-topics.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-topics--template-g-details-flex.html.twig * field--node--field-details-topics.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-topics.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-topics.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-topics field--type-entity-reference field--label-above"> <div class="field__label">Details Topics</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/1851" hreflang="en">Access to Finance</a></div> <div class="field__item"><a href="/taxonomy/term/1886" hreflang="en">Financial Capability</a></div> <div class="field__item"><a href="/taxonomy/term/2016" hreflang="en">Microenterprise</a></div> <div class="field__item"><a href="/taxonomy/term/1976" hreflang="en">Payments</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-countries--rss.html.twig * field--node--rss--field-details-countries--template-g-details-flex.html.twig * field--node--rss--field-details-countries.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-countries--template-g-details-flex.html.twig * field--node--field-details-countries.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-countries.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-countries.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-countries field--type-entity-reference field--label-above"> <div class="field__label">Details Countries</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/53" hreflang="en">Colombia</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-publication-type--rss.html.twig * field--node--rss--field-details-publication-type--template-g-details-flex.html.twig * field--node--rss--field-details-publication-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-publication-type--template-g-details-flex.html.twig * field--node--field-details-publication-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-publication-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-publication-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-publication-type field--type-entity-reference field--label-above"> <div class="field__label">Details Publication Type</div> <div class="field__item"><a href="/taxonomy/term/16" hreflang="en">Brief</a></div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-author--rss.html.twig * field--node--rss--field-details-author--template-g-details-flex.html.twig * field--node--rss--field-details-author.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-author--template-g-details-flex.html.twig * field--node--field-details-author.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-author.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig x field--field-details-author.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-author.html.twig' --> <div class="field field--name-field-details-author field--type-entity-reference field--label-above"> <div class="field-items-wrapper"> <div class="ind"> <a href="/people/antoinette-schoar"> <div class="img" style="background-image: url('/sites/default/files/2023-08/schoar_antoinette.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Antoinette Schoar </div> <div class="title"> Massachusetts Institute of Technology </div> </div> </a> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-author.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-staff--rss.html.twig * field--node--rss--field-staff--template-g-details-flex.html.twig * field--node--rss--field-staff.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-staff--template-g-details-flex.html.twig * field--node--field-staff.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-staff.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig x field--field-staff.html.twig * field--entity-reference-revisions.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-staff.html.twig' --> <div class="field field--name-field-staff field--type-entity-reference-revisions field--label-above"> <div class="field-items-wrapper"> <div class="ind"> <a href="/people/sebastian-chaskel"> <div class="img" style="background-image: url('/sites/default/files/headshots/Sebastian-Chaskel_updated.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Sebastian Chaskel </div> <div class="title"> Program Director, Peace &amp; Recovery </div> </div> </a> </div> <div class="ind"> <a href="/people/pablo-villar"> <div class="img" style="background-image: url('/sites/default/files/headshots/3121_0.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Pablo Villar </div> <div class="title"> Research Manager </div> </div> </a> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-staff.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-post-teaser-text--rss.html.twig * field--node--rss--field-post-teaser-text--template-g-details-flex.html.twig * field--node--rss--field-post-teaser-text.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-post-teaser-text--template-g-details-flex.html.twig * field--node--field-post-teaser-text.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-post-teaser-text.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-post-teaser-text.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-post-teaser-text field--type-text-long field--label-above"> <div class="field__label">Post Teaser Text</div> <div class="field__item">Las pequeñas y medianas empresas (PYMEs) de los países en desarrollo suelen enfrentarse a una serie de obstáculos para ampliar sus negocios y emplear a más trabajadores, como el acceso limitado al crédito y a otros servicios financieros.</div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> Tue, 08 Feb 2022 21:08:45 +0000 Anonymous 49916 at https://poverty-action.org Randomization for Causality, Ethnography for Mechanisms: Illiquid Savings for Liquor in an Autarkic Society https://poverty-action.org/publication/randomization-causality-ethnography-mechanisms-illiquid-savings-liquor-autarkic-society <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--title--rss.html.twig * field--node--rss--title--template-g-details-flex.html.twig * field--node--rss--title.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--title--template-g-details-flex.html.twig x field--node--title.html.twig * field--node--template-g-details-flex.html.twig * field--rss--title.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">Randomization for Causality, Ethnography for Mechanisms: Illiquid Savings for Liquor in an Autarkic Society</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--uid--rss.html.twig * field--node--rss--uid--template-g-details-flex.html.twig * field--node--rss--uid.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--uid--template-g-details-flex.html.twig x field--node--uid.html.twig * field--node--template-g-details-flex.html.twig * field--rss--uid.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> <span lang="" typeof="schema:Person" property="schema:name" datatype="">Anonymous (not verified)</span> <!-- END OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--created--rss.html.twig * field--node--rss--created--template-g-details-flex.html.twig * field--node--rss--created.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--created--template-g-details-flex.html.twig x field--node--created.html.twig * field--node--template-g-details-flex.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Mon, 01/24/2022 - 12:37</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: x links--node.html.twig x links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-template-g-content-blocks--rss.html.twig * field--node--rss--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--rss--field-template-g-content-blocks.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-template-g-content-blocks.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-template-g-content-blocks.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-template-g-content-blocks field--type-entity-reference-revisions field--label-above"> <div class="field__label">Template G Content Blocks</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-date--default.html.twig x paragraph--sub-cb30-date.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub-cb30-date.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-date paragraph--view-mode--default"> <div class="cb-date"> January 24, 2022 </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub-cb30-date.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-content-type--rss.html.twig * field--node--rss--field-details-content-type--template-g-details-flex.html.twig * field--node--rss--field-details-content-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-content-type--template-g-details-flex.html.twig * field--node--field-details-content-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-content-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-content-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-content-type field--type-entity-reference field--label-above"> <div class="field__label">Details Content Type</div> <div class="field__items"> <div class="field__item"><a href="/publications" hreflang="en">Publications</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-program-areas--rss.html.twig * field--node--rss--field-details-program-areas--template-g-details-flex.html.twig * field--node--rss--field-details-program-areas.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-program-areas--template-g-details-flex.html.twig * field--node--field-details-program-areas.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-program-areas.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-program-areas.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-program-areas field--type-entity-reference field--label-above"> <div class="field__label">Details Program Areas</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/166" hreflang="en">Financial Inclusion</a></div> <div class="field__item"><a href="/taxonomy/term/5461" hreflang="en">Financial Services for the Poor</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-topics--rss.html.twig * field--node--rss--field-details-topics--template-g-details-flex.html.twig * field--node--rss--field-details-topics.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-topics--template-g-details-flex.html.twig * field--node--field-details-topics.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-topics.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-topics.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-topics field--type-entity-reference field--label-above"> <div class="field__label">Details Topics</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/1816" hreflang="en">Behavioral Design</a></div> <div class="field__item"><a href="/taxonomy/term/1836" hreflang="en">Commitments</a></div> <div class="field__item"><a href="/taxonomy/term/1886" hreflang="en">Financial Capability</a></div> <div class="field__item"><a href="/taxonomy/term/2006" hreflang="en">Savings</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-countries--rss.html.twig * field--node--rss--field-details-countries--template-g-details-flex.html.twig * field--node--rss--field-details-countries.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-countries--template-g-details-flex.html.twig * field--node--field-details-countries.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-countries.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-countries.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-countries field--type-entity-reference field--label-above"> <div class="field__label">Details Countries</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/46" hreflang="en">Bolivia</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-publication-type--rss.html.twig * field--node--rss--field-details-publication-type--template-g-details-flex.html.twig * field--node--rss--field-details-publication-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-publication-type--template-g-details-flex.html.twig * field--node--field-details-publication-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-publication-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-publication-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-publication-type field--type-entity-reference field--label-above"> <div class="field__label">Details Publication Type</div> <div class="field__item"><a href="/taxonomy/term/11" hreflang="en">Working Paper</a></div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-author--rss.html.twig * field--node--rss--field-details-author--template-g-details-flex.html.twig * field--node--rss--field-details-author.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-author--template-g-details-flex.html.twig * field--node--field-details-author.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-author.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig x field--field-details-author.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-author.html.twig' --> <div class="field field--name-field-details-author field--type-entity-reference field--label-above"> <div class="field-items-wrapper"> <div class="ind"> <a href="/people/ricardo-godoy"> <div class="img" style="background-image: url('/sites/default/files/headshots/ricardo_godoy_0.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Ricardo Godoy </div> <div class="title"> Brandeis University </div> </div> </a> </div> <div class="ind"> <a href="/people/dean-karlan"> <div class="img" style="background-image: url('/sites/default/files/2023-08/Dean-Karlan-Headshot-Photo-500px-Square.jpeg')"> </div> <div class="meta"> <div class="name notranslate"> Dean Karlan </div> <div class="title"> Northwestern University </div> </div> </a> </div> <div class="ind"> <a href="/people/jonathan-zinman"> <div class="img" style="background-image: url('/sites/default/files/2023-08/Jonathan-Zinman.png')"> </div> <div class="meta"> <div class="name notranslate"> Jonathan Zinman </div> <div class="title"> Dartmouth College </div> </div> </a> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-author.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-file--rss.html.twig * field--node--rss--field-file--template-g-details-flex.html.twig * field--node--rss--field-file.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-file--template-g-details-flex.html.twig * field--node--field-file.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-file.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-file.html.twig * field--file.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-file field--type-file field--label-above"> <div class="field__label">File</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'pdfpreview_formatter' --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/pdfpreview-formatter.html.twig' --> <div class="pdfpreview" id="pdfpreview-748886"> <div class="pdfpreview-image-wrapper"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image_formatter' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> <a href="/sites/default/files/publications/Godoy%20Karlan%20Zinman%20RCT.pdf"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image_style' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image-style.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <img class="pdfpreview-file image-style-large" src="/sites/default/files/styles/large/public/pdfpreview/748886-Godoy%20Karlan%20Zinman%20RCT.png?itok=jMbxhGk9" width="371" height="480" loading="lazy" typeof="foaf:Image" /> <!-- END OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/field/image-style.html.twig' --> </a> <!-- END OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/pdfpreview-formatter.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> Mon, 24 Jan 2022 17:37:38 +0000 Anonymous 49656 at https://poverty-action.org India's Free Press Journal Covers Research on Digital Financial Inclusion Among Women https://poverty-action.org/news/indias-free-press-journal-covers-research-digital-financial-inclusion-among-women <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--title--rss.html.twig * field--node--rss--title--template-g-details-flex.html.twig * field--node--rss--title.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--title--template-g-details-flex.html.twig x field--node--title.html.twig * field--node--template-g-details-flex.html.twig * field--rss--title.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">India&#039;s Free Press Journal Covers Research on Digital Financial Inclusion Among Women</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--uid--rss.html.twig * field--node--rss--uid--template-g-details-flex.html.twig * field--node--rss--uid.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--uid--template-g-details-flex.html.twig x field--node--uid.html.twig * field--node--template-g-details-flex.html.twig * field--rss--uid.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> <span lang="" typeof="schema:Person" property="schema:name" datatype="">Anonymous (not verified)</span> <!-- END OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--created--rss.html.twig * field--node--rss--created--template-g-details-flex.html.twig * field--node--rss--created.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--created--template-g-details-flex.html.twig x field--node--created.html.twig * field--node--template-g-details-flex.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Thu, 07/29/2021 - 15:38</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: x links--node.html.twig x links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-template-g-content-blocks--rss.html.twig * field--node--rss--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--rss--field-template-g-content-blocks.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-template-g-content-blocks.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-template-g-content-blocks.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-template-g-content-blocks field--type-entity-reference-revisions field--label-above"> <div class="field__label">Template G Content Blocks</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"><p>The <em>Free Press Journal</em> reports on <a href="/study/strengthening-women’s-financial-control-through-personal-bank-accounts" target="_blank">a study</a> providing women in Madhya Pradesh with bank accounts in their own names and direct deposit of wages to giving them greater access to and control over their earnings. The program increased women's working, particularly among those whose husbands had previously been most opposed to women working.</p> </div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-date--default.html.twig x paragraph--sub-cb30-date.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub-cb30-date.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-date paragraph--view-mode--default"> <div class="cb-date"> July 30, 2021 </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub-cb30-date.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-content-type--rss.html.twig * field--node--rss--field-details-content-type--template-g-details-flex.html.twig * field--node--rss--field-details-content-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-content-type--template-g-details-flex.html.twig * field--node--field-details-content-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-content-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-content-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-content-type field--type-entity-reference field--label-above"> <div class="field__label">Details Content Type</div> <div class="field__items"> <div class="field__item"><a href="/news" hreflang="en">News</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-program-areas--rss.html.twig * field--node--rss--field-details-program-areas--template-g-details-flex.html.twig * field--node--rss--field-details-program-areas.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-program-areas--template-g-details-flex.html.twig * field--node--field-details-program-areas.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-program-areas.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-program-areas.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-program-areas field--type-entity-reference field--label-above"> <div class="field__label">Details Program Areas</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/166" hreflang="en">Financial Inclusion</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-topics--rss.html.twig * field--node--rss--field-details-topics--template-g-details-flex.html.twig * field--node--rss--field-details-topics.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-topics--template-g-details-flex.html.twig * field--node--field-details-topics.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-topics.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-topics.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-topics field--type-entity-reference field--label-above"> <div class="field__label">Details Topics</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/1851" hreflang="en">Access to Finance</a></div> <div class="field__item"><a href="/taxonomy/term/1886" hreflang="en">Financial Capability</a></div> <div class="field__item"><a href="/taxonomy/term/1976" hreflang="en">Payments</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-countries--rss.html.twig * field--node--rss--field-details-countries--template-g-details-flex.html.twig * field--node--rss--field-details-countries.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-countries--template-g-details-flex.html.twig * field--node--field-details-countries.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-countries.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-countries.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-countries field--type-entity-reference field--label-above"> <div class="field__label">Details Countries</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/68" hreflang="en">India</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-news-type--rss.html.twig * field--node--rss--field-news-type--template-g-details-flex.html.twig * field--node--rss--field-news-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-news-type--template-g-details-flex.html.twig * field--node--field-news-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-news-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-news-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-news-type field--type-entity-reference field--label-above"> <div class="field__label">News Type</div> <div class="field__item"><a href="/taxonomy/term/201" hreflang="en">Media Coverage</a></div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-link--rss.html.twig * field--node--rss--field-link--template-g-details-flex.html.twig * field--node--rss--field-link.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-link--template-g-details-flex.html.twig * field--node--field-link.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-link.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-link.html.twig * field--link.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-link field--type-link field--label-above"> <div class="field__label">News Article Link - For News Pages ONLY</div> <div class="field__item"><a href="https://www.freepressjournal.in/bhopal/madhya-pradesh-direct-deposit-is-digital-empowerment-for-women-workers-in-india">https://www.freepressjournal.in/bhopal/madhya-pradesh-direct-deposit-is-digital…</a></div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> Thu, 29 Jul 2021 19:38:37 +0000 Anonymous 47541 at https://poverty-action.org