List Randomization for Sensitive Behavior: An Application for Measuring Use of Loan Proceeds
AbstractPolicymakers and microfinance institutions (MFIs) often claim to target poor entrepreneurs who then invest loan proceeds in their businesses. Typically in nonresearch settings these claims are assessed using readily available but unverified self-reports from client loan applications. Alternatively, independent surveyors could directly elicit how borrowers spent their loan proceeds. That too, however, could suffer from deliberate misreporting. We use data from the Peru and the Philippines in which independent surveyors elicited loan use both directly (i.e., by asking how individuals spent their loan proceeds) and indirectly (i.e., through a list-randomization technique that allows individuals to hide their answer from the surveyor). We find that direct elicitation under-reports the non-enterprise uses of loan proceeds.
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Bibliographic InfoPaper provided by National Bureau of Economic Research, Inc in its series NBER Working Papers with number 17475.
Date of creation: Oct 2011
Date of revision:
Publication status: published as Karlan, Dean S. & Zinman, Jonathan, 2012. "List randomization for sensitive behavior: An application for measuring use of loan proceeds," Journal of Development Economics, Elsevier, vol. 98(1), pages 71-75.
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- Karlan, Dean S. & Zinman, Jonathan, 2012. "List randomization for sensitive behavior: An application for measuring use of loan proceeds," Journal of Development Economics, Elsevier, Elsevier, vol. 98(1), pages 71-75.
- B4 - Schools of Economic Thought and Methodology - - Economic Methodology
- D03 - Microeconomics - - General - - - Behavioral Microeconomics; Underlying Principles
- O12 - Economic Development, Technological Change, and Growth - - Economic Development - - - Microeconomic Analyses of Economic Development
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- Dean Karlan & Jonathan Zinman, 2008. "Lying About Borrowing," Journal of the European Economic Association, MIT Press, MIT Press, vol. 6(2-3), pages 510-521, 04-05.
- David McKenzie & Melissa Siegel, 2013.
"Eliciting Illegal migration rates through list randomization,"
CReAM Discussion Paper Series
1310, Centre for Research and Analysis of Migration (CReAM), Department of Economics, University College London.
- McKenzie, David & Siegel, Melissa, 2013. "Eliciting Illegal Migration Rates through List Randomization," IZA Discussion Papers 7401, Institute for the Study of Labor (IZA).
- McKenzie, David & Siegel, Melissa, 2013. "Eliciting illegal migration rates through list randomization," Policy Research Working Paper Series 6426, The World Bank.
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- Julian C. Jamison & Dean Karlan & Pia Raffler, 2013.
"Mixed Method Evaluation of a Passive mHealth Sexual Information Texting Service in Uganda,"
NBER Working Papers
19107, National Bureau of Economic Research, Inc.
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- Clarke, George, 2012. "Do reticent managers lie during firm surveys?," MPRA Paper 37634, University Library of Munich, Germany.
- Alberto Chong & Marco Gonzalez-Navarro & Dean Karlan & Martin Valdivia, 2013. "Effectiveness and Spillovers of Online Sex Education: Evidence from a Randomized Evaluation in Colombian Public Schools," NBER Working Papers 18776, National Bureau of Economic Research, Inc.
- Miller, Margaret & Reichelstein, Julia & Salas, Christian & Zia, Bilal, 2014. "Can you help someone become financially capable ? a meta-analysis of the literature," Policy Research Working Paper Series 6745, The World Bank.
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- Fafchamps, Marcel & McKenzie, David & Quinn, Simon & Woodruff, Christopher, 2014. "Microenterprise growth and the flypaper effect: Evidence from a randomized experiment in Ghana," Journal of Development Economics, Elsevier, Elsevier, vol. 106(C), pages 211-226.
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