In this commentary originally published in Route Fifty, experts from MDRC’s Center for Applied Behavioral Science and BIT North America describe how government agencies can use behavioral science to adapt policies, programs, and services during the continuing pandemic crisis.
When Washington state’s Division of Child Support closed its offices in March 2020 in response to COVID-19, its employment program—Families Forward Washington—kept running with minimal interruption, because the original design was based on working remotely. Its model may offer useful pointers for other service agencies for adapting to the pandemic.
18-Month Impacts of the Grameen America Program
Grameen America is a microfinance institution that provides business loans to women in poverty in the United States. Results from a randomized controlled trial show the program increased business ownership and earnings, credit worthiness, and savings, and reduced material hardship among participants, but it did not increase overall net income.
The COVID-19 pandemic has heightened the nation’s awareness of the critical role that low-wage workers — cashiers, nursing assistants, delivery people — play in our lives. MDRC’s Cynthia Miller summarizes research about how expanding the Earned Income Tax Credit can effectively supplement their earnings and lead to other positive benefits for them and their families.
Interim Findings from the Paycheck Plus Demonstration in Atlanta
The Earned Income Tax Credit reduces poverty for many low-income families but does little for workers without dependent children. Paycheck Plus, being tested in New York City and Atlanta, offers an expanded credit to this population. This report presents its two-year impacts on employment, earnings, and income in Atlanta.
Home Visiting and Coordinated and Integrated Early Childhood Systems
Funders at all levels are investing in programs to support expectant parents and families with young children. MDRC is conducting research in that field in three areas: integrating systems of services that work together, getting families and children the right services, and building evidence about promising models.
Early Impacts of the Grameen America Program
Grameen America provides loans to low-income women who are seeking to start or expand their small businesses. Early results from a random assignment evaluation show that Grameen participants are more likely to operate their own businesses and to establish credit scores and less likely to experience material hardship.
Early Findings From the Family Self-Sufficiency Program Evaluation
This first national randomized controlled trial of the Family Self-Sufficiency (FSS) program — the main federal strategy to help housing voucher recipients make progress toward economic mobility — examined program implementation, participants’ engagement, and impacts on labor force participation and benefits receipt in the first 24 months of this five-year program.
Findings from the Subprime Lending Data Exploration Project
Medical debt was a main theme emerging from a survey and interviews with individuals who use payday or subprime installment loans. Many respondents reported using such loans to pay medical bills or to cover regular expenses that may have originated from a health-related emergency.
Final Impact Findings from the Paycheck Plus Demonstration in New York City
Paycheck Plus raises the top tax credit for low-income workers without dependent children from $500 to $2,000. In a three-year test, the program increased after-credit earnings, reducing severe poverty; modestly improved employment among women and more disadvantaged men; and led to more noncustodial parents paying child support.