To improve outcomes among high-interest borrowers, policymakers need to understand what is driving usage. This second post in MDRC’s Reflections on Methodology series discusses how a data discovery process revealed clusters of borrowers who differed greatly in the kinds of loans and lenders they used and in their loan outcomes.
Using an alternative to classical statistics, this paper reanalyzes results from three published studies of interventions to increase employment and reduce welfare dependency. The analysis formally incorporates prior beliefs about the interventions, characterizing the results in terms of the distribution of possible effects, and generally confirms the earlier published findings.
New Directions in Evaluations of American Welfare-to-Work and Employment Initiatives
Planning for the Jobs-Plus Demonstration