To improve outcomes among high-interest borrowers, policymakers need to understand what is driving usage. This second post in MDRC’s Reflections on Methodology series discusses how a data discovery process revealed clusters of borrowers who differed greatly in the kinds of loans and lenders they used and in their loan outcomes.
The SIMPLER framework was developed for the Behavioral Interventions to Advance Self-Sufficiency (BIAS) project ― the first major effort to apply behavioral insights to human services programs in the United States. SIMPLER summarizes several key behavioral concepts that can guide practitioners interested in using behavioral insights to enhance service delivery.
In September 2017, MDRC released interim findings from the Paycheck Plus demonstration and evaluation of an enhanced Earned Income Tax Credit for low-wage workers without dependent children in New York City. Here are a few answers to questions we’ve received about the results.
Interim Findings from the Paycheck Plus Demonstration in New York City
Paycheck Plus offers workers without dependent children an enhanced Earned Income Tax Credit (EITC) worth up to $2,000 per year for three years (four times the current EITC for singles). Results after two years from a random assignment evaluation show that it has increased income and work rates.
Boosting the Earned Income Tax Credit for Workers Without Dependent Children
The Earned Income Tax Credit (EITC) promotes work and raises over six million Americans out of poverty each year. Early results from an ongoing demonstration suggest that expanding the EITC for singles, an idea with bipartisan support, is feasible and can increase employment and income while reducing poverty.
Lessons for Practitioners
This 12-page brief distills practical implementation lessons from four programs that help low-wage workers access and retain child care subsidies, public health insurance, the Earned Income Tax Credit, food stamps, and other related government benefits.
Testing Transitional Jobs and Pre-Employment Services in Philadelphia
Interim results from an evaluation of two different welfare-to-work strategies for long-term welfare recipients show that transitional jobs increase employment and earnings but that it is difficult to successfully engage participants in extensive pre-employment services.
Implementation, Two-Year Impacts, and Costs of the Center for Employment Opportunities (CEO) Prisoner Reentry Program
A random assignment study shows that participants in CEO’s transitional jobs program were less likely to be convicted of a crime, to be admitted to prison for a new conviction, or to be incarcerated for any reason in prison or jail over the first two years. The program also had a large but short-lived impact on employment.
Early Results from a Telephone Care Management Program for Medicaid Recipients with Depression
Very early results from a random assignment study suggest that Working toward Wellness increased the use of mental health services and had mixed effects on depression severity. Impacts are concentrated among Hispanic participants.