Thailand has rolled out an array of household-debt interventions—short-term moratoria, pre-emptive and troubled restructurings, the Debt Clinic for unsecured credit, and, most recently, “You Fight, We Help,” which ties interest reductions to repayment incentives. Yet participation remains modest, and their effects on repayment behavior and borrower welfare are poorly understood among the country’s many information-constrained households. Rigorous impact evaluation is therefore critical for evidence-based policy refinement.

1. Who participate? Which borrower, lender, and program features encourage—or deter—enrolment? And what are the causal impacts of each policy on loan repayment, delinquency, and household welfare, and how cost-effective are the various designs?

1. Monthly loan-level data of universe of households who borrowers from formal institutions in National Credit Bureau (2009–2024) with variables that indicate participation in various household debt policies.