世界银行-乍得低成本多方面经济包容计划的影响和溢出效应（英）-2025.3_72页_1mb

Summary

This study analyzes the impacts and spillovers of a low-cost, multifaceted economic inclusion program implemented in Chad. The program, designed to complement a government cash transfer initiative, includes group savings promotion, micro-entrepreneurship training, and a cash grant. A randomized controlled trial (RCT) found that the intervention significantly improved household consumption and welfare among participants, with food consumption increasing by 13% and a composite welfare index rising by 0.17 standard deviations. These gains are linked to increased labor reallocation, higher incomes, and enhanced women's empowerment.

The study also demonstrates positive local spillovers on non-participant households, with similar improvements in consumption and economic activities. The program is cost-effective, with a high internal rate of return (73%) when accounting for spillovers. Despite its low cost and streamlined design, the intervention achieves substantial poverty reduction and broader economic benefits within the local economy, offering insights for scaling economic inclusion programs in similar contexts.

Key Contributions

• Demonstrates the effectiveness and cost-efficiency of a simplified economic inclusion program in a fragile context.
• Provides evidence of significant positive spillovers on non-participants, offering lessons for policy design in limited-budget scenarios.
• Highlights the role of savings groups and market effects in amplifying impacts beyond direct participants.