EdTech-Microfinance Integration: Designing Intelligent Learning Systems to Enhance Credit Discipline and Enterprise Growth

Abstract

This study adds an adaptive digital learning component to routine microfinance loan servicing to support repayment discipline and enterprise income. In day-to-day operations, training and coaching are difficult to tailor and to measure using routine records, so comparable operational study designs are limited. The protocol delivers short lessons at servicing touchpoints and compares clusters assigned to the learning layer versus standard practice. Over 6 months, outcomes will be taken from repayment records and brief enterprise surveys, including on-time repayment rate and 30+ days past due. Differences between arms will be reported with 95% confidence intervals that account for clustering, alongside planned checks for missing data and cross-arm exposure. The blueprint links implementation steps to measurable indicators for microfinance institutions and monitoring and evaluation specialists running routine programs.