NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

A Personal Touch: Text Messaging for Loan Repayment

Dean Karlan, Melanie Morten, Jonathan Zinman

NBER Working Paper No. 17952
Issued in March 2012

---- Acknowledgements -----

We appreciate the cooperation of Greenbank and Rural Bank of Mabitac in designing and implementing this study. Thanks to John Owens and the staff at MABS in the Philippines for help with data and implementation mechanics. Thanks to participants at the Advances with Field Experiments 2011 conference for helpful comments. Thanks to Tomoko Harigaya, Rebecca Hughes, Mark Miller, Megan McGuire, and Junica Soriano for excellent field work, and to the Bill and Melinda Gates Foundation for financial support. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research.

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