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Clinical Trial Details — Status: Completed

Administrative data

NCT number NCT00700349
Other study ID # IPA-2004-SA
Secondary ID
Status Completed
Phase N/A
First received June 16, 2008
Last updated June 17, 2008
Start date September 2004
Est. completion date November 2005

Study information

Verified date June 2008
Source Innovations for Poverty Action
Contact n/a
Is FDA regulated No
Health authority United States: Institutional Review Board
Study type Interventional

Clinical Trial Summary

This study involves randomization of individuals who were initially rejected from a micro-lending organization in South Africa. Subjects were placed into two arms: (1) not receiving a loan; (2) being reconsidered for a "second look." Of those in the second arm, 53% were then selected by the organization's loan officers to receive a standard loan for first-time borrowers. Mental health and financial data were collected at one timepoint: approximately 6-12 months after the subjects first applied for the loan.


Recruitment information / eligibility

Status Completed
Enrollment 3000
Est. completion date November 2005
Est. primary completion date November 2005
Accepts healthy volunteers No
Gender Both
Age group 18 Years and older
Eligibility Inclusion Criteria:

- Subjects were recruited from those who had been rejected from a lending organization for non-fraudulent or non-overindebtness reasons.

Exclusion Criteria:

Study Design

Allocation: Randomized, Intervention Model: Parallel Assignment, Masking: Single Blind (Outcomes Assessor)


Related Conditions & MeSH terms


Intervention

Other:
Small loan
Applicants in the treatment group were offered an interest rate, loan size, and maturity per the lender's standard underwriting criteria, involving a 4-month maturity at 11.75% per month, charged on the original balance (200% annual percentage rate).

Locations

Country Name City State
South Africa Innovations for Poverty Action Cape Town
South Africa Innovations for Poverty Action Durban
South Africa Innovations for Poverty Action Port Elizabeth

Sponsors (7)

Lead Sponsor Collaborator
Innovations for Poverty Action Bill and Melinda Gates Foundation, Broadening Access and Strengthening Input Market Systems/USAID, Federal Reserve Bank of New York, Princeton University, Social Science Research Council Program in Applied Economics, U.S. National Science Foundation

Country where clinical trial is conducted

South Africa, 

Outcome

Type Measure Description Time frame Safety issue
Primary Center for Epidemiologic Studies Depression Scale (CES-D), a 20-item questionnaire (0 = no risk, 60 = highest risk) At follow-up (6-12 months after subject enrollment) No
Primary Perceived stress, measured using the Cohen's Perceived Stress Scale (PSS), a 10-item questionnaire (0 = no stress, 40 = high stress) At follow-up (6-12 months after subject enrollment) No
Secondary Household income, measured by a variety of questions that asked about all sources of income obtained by all members of the applicant's household. At follow-up (6-12 months after subject enrollment) No
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