Mental HealthNCT00700349
Evaluation of Impacts of Access to Credit and Loan Size for Microcredit Clients in South Africa
A study testing Small loan in people with Mental Health and Depression, run by Innovations for Poverty Action at 3 sites in South Africa.
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… Read more about this study
- Who is it for?
- Ages 18 years and older
- Conditions the study is for
- Mental Health, Depression, Stress
- What is being tested?
- Small loan
- Could I receive a placebo?
- No, everyone receives an active treatment
- How many people
- 3,000 participants
- Where
- 3 sitesSouth Africa
- Study dates
- Sep 2004to Nov 2005
- Phase
- Interventional
- Are there results?
- None posted in the registry
Key requirements
Who can take part, as listed by the sponsor. Only the study team can confirm whether you are eligible, so take this list to your doctor.
- Ages 18 years and older
- All sexes
- No healthy volunteers
- Adult, Older adult
Who may be able to join
- Subjects were recruited from those who had been rejected from a lending organization for non-fraudulent or non-overindebtness reasons.
Who cannot join
- None.
Trial locations and contacts
3 sites in 1 country.
South Africa3 sites
Innovations for Poverty Action
Cape Town
Innovations for Poverty Action
Durban
Innovations for Poverty Action
Port Elizabeth
About this study
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.
- Conditions
- Mental Health, Depression, Stress
- Being tested
- Small loan
- Keywords
- depression, stress, microcredit, poverty, South Africa
- Medical subject headings
- Psychological Well-Being, Depression
What participants receive
What participants receive. In a randomised study each person is assigned to one group by chance.
Small loanOther
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).
| Study group | Role | What they receive |
|---|---|---|
| 1 | No intervention | Individuals who were rejected from receiving a loan from a micro-lending organization were randomized to continue receiving no loan. |
| 2 | Experimental | Individuals who were rejected from receiving a loan from a micro-lending organization were randomized to receive a "second look," to be reconsidered for a loan by loan officers. Receives: Other: Small loan |
What is being measured
The primary outcome is the main question the study is designed to answer.
Center for Epidemiologic Studies Depression Scale (CES-D), a 20-item questionnaire (0 = no risk, 60 = highest risk)
Measured: At follow-up (6-12 months after subject enrollment)
Perceived stress, measured using the Cohen's Perceived Stress Scale (PSS), a 10-item questionnaire (0 = no stress, 40 = high stress)
Measured: At follow-up (6-12 months after subject enrollment)
Secondary outcomes (1)
Household income, measured by a variety of questions that asked about all sources of income obtained by all members of the applicant's household.
Measured: At follow-up (6-12 months after subject enrollment)
Timeline
From the start of the study to its completion; the mark is today. Estimated dates are the sponsor’s plan.
- First posted18 Jun 2008 (estimated)
- Study startSep 2004
- Primary completionNov 2005
- Study completionNov 2005
Resources
- Official record on ClinicalTrials.govThe registry entry this page is built from, with its full change history.
- Other trials for Mental HealthStudies of the same condition, open and under way.
- What the trial phases meanHow a treatment moves from first tests in people to approval.
More details
For doctors and researchers: how the study is designed, who runs it, and its registry IDs.
Study design
- Study type
- Interventional
- Phase
- Phase N/A
- Allocation
- Randomised
- Intervention model
- Parallel groups
- Masking
- Single blind
- Who is masked
- Outcomes assessor
- Enrolment
- 3,000 participants (actual)
Sponsor and investigators
- Lead sponsor
- Innovations for Poverty Action
- Sponsor type
- University, hospital or other
- Collaborators
- Broadening Access and Strengthening Input Market Systems/USAID, U.S. National Science Foundation, Bill and Melinda Gates Foundation, Princeton University, Social Science Research Council Program in Applied Economics, Federal Reserve Bank of New York
- Investigators
- Dean Karlan, PhD, Principal investigator, Innovations for Poverty ActionJonathan Zinman, PhD, Principal investigator, Dartmouth UniversityLia Fernald, PhD, Principal investigator, University of California, Berkeley
IDs, dates and publications
- ClinicalTrials.gov ID
- NCT00700349
- Sponsor's protocol ID
- IPA-2004-SA
- Status last verified
- Jun 2008
- First submitted
- 16 Jun 2008
- Last updated
- 18 Jun 2008
- Results posted
- No
Study at a glance
From the registry record, last updated by the sponsor on 18 Jun 2008. Recruitment status is as the sponsor reported it: confirm with the study team.
- Official title
- Evaluation of Impacts of Access to Credit and Loan Size for Microcredit Clients in South Africa
- ClinicalTrials.gov ID
- NCT00700349
- Acronym / sponsor ID
- IPA-2004-SA
- Conditions
- Mental Health, Depression, Stress
- Keywords
- depression, stress, microcredit, poverty, South Africa
- Study type
- Interventional
- Recruitment status
- Completed
- Enrolment
- 3,000 participants (actual)
- Lead sponsor
- Innovations for Poverty ActionUniversity, hospital or other
- Collaborators
- Broadening Access and Strengthening Input Market Systems/USAID, U.S. National Science Foundation, Bill and Melinda Gates Foundation, Princeton University, Social Science Research Council Program in Applied Economics, Federal Reserve Bank of New York
- Study start
- Sep 2004
- Primary completion
- Nov 2005 (actual)
- Study completion
- Nov 2005 (actual)
- First posted
- 18 Jun 2008 (estimated)
- Results
- Not posted in the source record
Clinical summary
The research question as the sponsor registered it. This describes what the study plans to test, not what it found.
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.
Study design
- Allocation
- Randomised
- Intervention model
- Parallel groups
- Masking
- Single blind (outcomes assessor)
- Number of arms
- 2
| Arm | Type | Receives |
|---|---|---|
| 1 | No intervention | –Individuals who were rejected from receiving a loan from a micro-lending organization were randomized to continue receiving no loan. |
| 2 | Experimental | Other: Small loanIndividuals who were rejected from receiving a loan from a micro-lending organization were randomized to receive a "second look," to be reconsidered for a loan by loan officers. |
Who may qualify
- Ages
- 18 years and older
- Sex
- All
- Healthy volunteers
- Not accepted
- Age groups
- Adult, Older adult
Key inclusion criteria (1 listed)
- Subjects were recruited from those who had been rejected from a lending organization for non-fraudulent or non-overindebtness reasons.
Key exclusion criteria (1 listed)
- None.
Eligibility is decided by the study team after screening; this overview does not establish that a patient qualifies. Full inclusion and exclusion criteria.
Interventions
| Intervention | Type | Arms |
|---|---|---|
| Small loanApplicants 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). | Other | 2 |
Primary outcome
Center for Epidemiologic Studies Depression Scale (CES-D), a 20-item questionnaire (0 = no risk, 60 = highest risk)
Time frame: At follow-up (6-12 months after subject enrollment)
Perceived stress, measured using the Cohen's Perceived Stress Scale (PSS), a 10-item questionnaire (0 = no stress, 40 = high stress)
Time frame: At follow-up (6-12 months after subject enrollment)
1 secondary outcome
Household income, measured by a variety of questions that asked about all sources of income obtained by all members of the applicant's household.
Time frame: At follow-up (6-12 months after subject enrollment)
Results and safety
The study is completed, but results are not available in the source record. That does not mean the treatment did or did not work.
Research links
- Official record on ClinicalTrials.govLast updated by the sponsor 18 Jun 2008.
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Referral and contact
AzTrials does not enrol participants or take referrals. Contact the study team or a site listed below; they decide who can take part. This study is not recruiting at the moment.
Dean Karlan, PhD principal investigator
Innovations for Poverty Action
Jonathan Zinman, PhD principal investigator
Dartmouth University
Lia Fernald, PhD principal investigator
University of California, Berkeley
3 sites in 1 country: see every site and its status.
Questions about this trial
What is this clinical trial studying?
A study testing Small loan in people with Mental Health and Depression, run by Innovations for Poverty Action at 3 sites in South Africa.
The full registered description is in the About this study section and the official record.
Who may be eligible to take part?
The sponsor lists 1 inclusion and 1 exclusion criteria. Eligibility is decided by the study team after screening, so read the full criteria and contact a listed site.
Is this clinical trial currently recruiting?
The record says: finished, as of the sponsor's last update on 18 Jun 2008. Status can change between updates, so confirm with the study contact before making plans.
Where is the study taking place?
The record lists 3 sites in South Africa. Whether a site is taking part right now should be confirmed with that site. See every site.
What are the possible benefits and risks?
They depend on the study and the treatment, and no study can promise a benefit. The study team explains the known risks during informed consent, before anyone joins; the record itself does not list them.
Are results available for this study?
The study is completed, but results are not available in the source record. That does not mean the treatment did or did not work.
How can a doctor refer a patient or contact the research team?
The record lists no contact. The official record names the sponsor, who can be asked directly. AzTrials does not enrol participants or take referrals.
What does the primary outcome measure?
Center for Epidemiologic Studies Depression Scale (CES-D), a 20-item questionnaire (0 = no risk, 60 = highest risk) (time frame: At follow-up (6-12 months after subject enrollment)). The study lists 2 primary outcomes in all. It is what the study was designed to measure, not a finding.
Where can I read the original study information?
Does a listing mean the treatment is approved or proven to work?
No. A listing means the study is registered. It does not show that the treatment is safe, works, or is approved by a regulator.
How often is this information updated?
AzTrials copies changed records from ClinicalTrials.gov every night and reloads the whole registry every week. The sponsor last updated this record on 18 Jun 2008.