Applying Behavioral Insights to Reduce Fraud, Error, and Debt

By understanding better how people respond to different contexts and incentives, [governments] can develop a more nuanced understanding of human behavior that can ultimately help us to design more effective interventions to tackle fraud, error, and debt. Many of these interventions are relatively simple and cheap and can be introduced alongside some of the more traditional methods employed by public bodies.

This document does two things, Part 1 sets out seven of the most important insights that can be used by public bodies to reduce fraud, error, and debt. Part 2 describes eight trials which the [UK Government’s] Behavioural Insights Team has launched with a range of different government departments, agencies, and local authorities to test these insights in practice

Measuring Local Government Credit Risks and Improving Creditworthiness

The paper, which was prepared for the World Bank by George E. Peterson in 1998, is a good primer on municipal credit risks and applicable to corporatized water and sanitation state-owned enterprises, especially in developing countries where tariffs often do not cover the full costs service.

World Bank Loan Handbook

This Loan Handbook for World Bank Borrowers (the handbook) sets out guidance on disbursement arrangements and debt services for loans or financing provided or administered by the World Bank. The handbook provides detailed information about the World Bank’s lending instruments, financial products and terms, policy on overdue payments and sanctions, partial waiver of loan charges policy, and billing
procedures. Continue reading World Bank Loan Handbook

Financial Policies and Procedures Manual

Volume 1 of the Utility Management Series for Small Towns prepared by UN-Habitat Lake Victoria Water and Sanitation Initiative team and National Water and Sewerage Corporation of Uganda.