Incentives to the usage of financial products, specially those related to savings

Partner: Microcred

Microcred was lauched by an iniciative of Positive Planet (PlaNet Finance) and became one of the main financial institution focused on financial inclusion in the world. Its main activities are related to financial inclusion of low-income people in African countries and China, offering products that are more accessible and adapted to this client segment's needs. In the places where Microcred works, most clients do not have a bank account or access to a bank. CBR has run experiments, leaded by professor Patrick Behr, aiming to investigate which interventions can be done to incentive the usage of financial products within this population, specially those related to savings.

Jorge Jacob, Patrick Behr
Children's Eating Behavior in School Cafeterias

Partner: Nutrebem

Childhood obesity is on the rise in Brazil. In collaboration with Nutrebem, a start-up from Rio de Janeiro operating in seven Brazilian states, this project aims to analyze secondary data from children’s and teenagers’ daily purchases at school cafeterias. Age- and gender-specific behavior, as well as the impact of both planned interventions and unexpected events on food choices are assessed. In a rather privileged setting, researchers and entrepreneurs are working together to better understand children’s eating habits and accordingly develop strategies to improve the quality of their nutrition.

Cláudio Ferreira, Rafael Goldszmidt, Eduardo B. Andrade
Blood Donation in Brazil

Partners: Hemorio and Universitário Sangue Bom

In a partnership with Hemorio and the program "Universitário Sangue Bom", this project aims to understand what motivates people to donate blood. Specifically, we investigate the impact of non-monetary incentives on blood donation intention and real behavior.

Larissa Marreco, Lucia Barros, Rodrigo Dias, Cláudio Ferreira, Yan Vieites, Eduardo B. Andrade
Financial Decision Making among Low-Income Citizens

Partner: Observatório de Favelas

Interest rate, payment terms and warranties are not always the decisive factors that influences a loan decision. Psychological aspects, such as emotions that arises during choice, are most often decisive. To investigate this topic, in a partnership with Observatório de Favelas, CBR manages a study about the financial decision making process of people who live at Complexo da Maré, in the context of microfinance (the offer of loans, savings and other specialized financial services to microentrepreneurs and low-income people. This project also compares the consumption behavior of people who live at Complexo da Maré with people who live at other neighborhoods in Rio de Janeiro. This comparison aims to identify behavioral subjectivities that helps develop microcredit products and public policies.

Jorge Jacob, Rafael Goldszmidt, Eduardo B. Andrade, Yan Vieites
How does Social Capital Affect the Savings Propensity of Poor Borrowers? Evidence from the Field

Partner: MicroCred

This project aims at investigating the role social capital plays for the savings behavior of poor people. Some recent studies have documented that sending text message reminders has a positive impact on poor peoples’ propensity to save. Our research project builds on these findings and explores whether sending low-income people text messages that explicitly refer to their social capital has a positive impact on their savings behavior. We will explore this question by conducting a randomized controlled trial where the treatment group is a randomly selected group of clients of a large microfinance provider (MicroCred) that is active in Africa and China.

Jorge Jacob, Patrick Behr, Eduardo Marinho