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Zdarzają się sytuacje kiedy kredyt tradycyjny jest z jakiegoś powodu niedostępny dla pożyczkobiorcy. Jeśli mamy nagłe potrzeby, czas ma szczególne znaczenie, dlatego szybkość uzyskania pożyczki jest bardzo ważna. Jeżeli nie chcemy mieć do czynienia z biurokracją lub zbędnymi formalnościami albo nie mamy możliwości złożenia niektórych dokumentów, szukamy oferty kredyty bez zaświadczeń. Kredyt gotówkowy bez zaświadczeń jest szczególnie popularny dlatego, że jest dostępny i łatwy w uzyskaniu. Jest idealnym wyjściem dla osób bezrobotnych, zadłużonych lub otrzymujących niestabilny dochód. Kredyty bez zaświadczeń kredyty-pozabankowe24.pl

Uncertain information and evident decision-making: a sugar-daddy knowledge plan examined in Botswana may not be scaled up

This blog is part one among a two-part series about our very own incubator, Betaa€™s, combination with Young 1ove regarding the a€?No Sugara€? intervention. Examine parts two in this television series in this article.


How things go about as soon as you inform middle-school and adolescent girls in Africa with regards to the perils associated with intimately interesting with older people which offering all of them monetary prefers? Would it influence his or her range of sex-related partner? If Stanford Mentor Pascaline Dupas tried using it in Kenya over 10 years ago, it appeared to. Fast forward to 2014 and a Botswana-based non-profit, offspring 1ove, brought jointly a team of lovers, like Government of Botswana, global study middle the Abdul Latif Jameel impoverishment Action clinical (J-PAL), Botswana-Baylor Childrena€™s Clinical middle of quality, and verification motions (through the incubator, Beta), to gauge the concept once more. This time around, through a similar plan, a€?zero Sugar,a€? built with the possibility to scale-up across Southern Africa. The evaluation associated with a€?No Sugara€? plan generate much more combined outcome compared to initial analysis in Kenya. Due to this fact, the Government of Botswana, kids 1ove, alongside business partners are not scaling upwards No sugars since it had been originally decisive link designed. As an alternative, kids 1ove are redecorating this system for additional evaluation of influence, before perhaps scaling upward sooner or later.

The evidence-base: The reasons why asking teenagers regarding likelihood of seasoned sugar daddies seemed like worthwhile

Into the Kenya-based randomized regulated demo, teenagers are wise that old a€?sugar daddiesa€? had been very likely to be affected with HIV than younger males. The study was created to try whether empowering girls to help a lot more informed options concerning their sexual business partners can be more effective than trying to convince them to not have intercourse in any way. (the second ended up being the goal of sex education in much of Africa at the same time.)

On studya€™s onset, the professionals hypothesized that advising teenagers the perils associated with sweets daddies would adjust girlsa€™ risk-reward assessments and incline babes far from sugar daddies. The Reasons Why? Because women are inclined to (incorrectly) reckon that earlier men are truly more secure partners, and see the monetary advantages of sugars daddies as outweighing the potential health risks of acquiring HIV. If models may be encouraged to determine younger lovers, they can consequently profit double more: they can steer clear of bad old couples and really feel well informed to negotiate for safe love-making procedures with the lower-age mate. As a consequence, girlsa€™ threat of conceiving a child would decrease, since would their risk of getting HIV.

The outcome from the RCT in Kenya comprise extraordinary: ladies that was given the a€?sugar daddya€? texting are 28 % less inclined to end up being expecting a baby twelve months later than models who had been merely informed to abstain from gender. In study, pregnancy had been as a proxy for non-safe sex and exposure to chance of HIV problems.

If suitable some other contexts, the Kenya-based research provided an engaging and potentially economical resolution for the transactional love dilemma that is an essential culprit with the disproportionately highest HIV problems numbers among ladies and ladies in several components of Southern Africa.

Switching verification into action: Developing and experiment a€?No Sugara€?

Witnessing their prospective, sociable business owners Noam Angrist, Moitshepi Matsheng, Brenda Duverce, and Unami Moatswi accepted fascination with the analysis. In 2014, the two co-founded a non-profit, Small 1ove, flip this guaranteeing data into programs. Eventually that yr, the two launched No sugars, a youth-targeted knowledge campaign built on Dupasa€™ 2005 analysis that instructed babes the probability of having senior erectile mate. Considering that the initial data took place over 10 years prior, and also in an absolutely different context, Young 1ove logically proceeded to re-evaluate No glucose before scaling they across Botswana and, eventually, different countries in south Africa to raised grasp the interventiona€™s outside substance across area and occasion. They helped bring together similar organizations, for example the worldwide advancement Fund, proof activity, J-PAL, and Botswana-Baylor Childrena€™s hospital middle of Excellence, to aid the design, evaluation and possible scale-up of application. A lot more impressively, they protected a great order from your authorities of Botswana: if No sugary foods demonstrated efficient, the us government would straight back a nationwide scale-up on the application. As folks in the field of scaling evidence-based advancement interventions recognize, this sort of government-led scale-up often is the best way to reach real measure.

With economic assistance through the worldwide excogitation account and other donors, all of us joined with kids 1ove to provide ideal and complex service, to guide the development of software, frameworks, and skills that allow the growth and development of his or her organization, also to let place them to scale up No glucose if the link between the evaluation are glowing. Utilizing the experience with evidence-driven regimen concept, scaling verified expertise, and partnering with authorities, we worked intently employing the Young 1ove professionals to enable them to continue to build and sustain a substantial romance making use of the Government of Botswana and various key couples; presented extensive tech support team and thought cooperation on plan design and style and delivery system; and consider in throughout the analysis design as directed by kids 1ove, J-PAL and Baylor institution. Another crucial part were help conceptualize and challenge a course to scale (which could getting completed by immature 1ove and possibly other individuals) in the event the link between the assessment happened to be positive.

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