This paper summarizes research findings from a new body of empirical evidence that uses randomized evaluations to compare how one group responds to access to specific new financial services against how a comparable group fares without those services. It goes back to the first studies that used this approach and summarizes a series of research studies presented at the October 2010 Microfinance Impact and Innovation Conference in New York.
The paper reviews results from randomized evaluations that measure the impact of microcredit and microsavings on business investment and creation, consumption, and household well-being. It presents evidence from evaluations of products and delivery design. It also discusses the evidence on microinsurance products.
http://www.cgap.org/gm/document-1.9.55766/FORUM2.pdf
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