This study uses a randomized control trial to evaluate the outcome of integrating money management and entrepreneurial training into a microcredit program in India. We find positive and significant effects on clients’ financial management skills and entrepreneurship abilities, particularly for clients with higher human capital, or more diligent, or having an entrepreneurial idea, and an increase in initiative and self-confidence. Effects appear stronger for clients obliged to attend the training course or more interested in attending it. By considering missed or delayed repayments reduction we assess the benefits of the training provided and of extending it for the institution.

这项研究使用了一项随机对照试验，以评估将资金管理和企业家培训纳入印度小额信贷计划的结果。我们发现对客户的财务管理技能和创业能力产生积极而显着的影响，特别是对于人力资本更高，更勤奋，或者具有创业思想，主动性和自信心增强的客户。对于有义务参加培训课程或更有兴趣参加培训的客户，效果似乎更强。通过考虑减少或延迟减少还款，我们评估了所提供培训并将其扩展至机构的好处。