Medical Information Only. Always consult your healthcare provider before enrolling in any clinical trial.
NCT02185612 · ClinicalTrials.gov registry record · NA
The EARN-Health Trial of Financial Savings and Health
A NA study, sponsored by Stanford University.
- Completed
- Registry status
- NA
- Development phase
- 678
- Enrollment target
NCT02185612: Completed NA study, sponsored by Stanford University.
NCT02185612 is a NA study that has completed, run by Stanford University. The registered enrollment target is 678 participants, below the 1,404-participant average among 58,714 other NA trials with a reported enrollment target (52% lower). According to ClinicalTrials.gov, the official US trial registry.
The verdict
NCT02185612, a NA study, has completed, sponsored by Stanford University.
- COMPLETED
- Registry status
- NA
- Development phase
- 678 participants
- Enrollment target
Study Summary
The current literature in social epidemiology and public health suggests that low financial savings has an unsurprising negative relationship with subjective well-being, and increases the odds of making visits to a healthcare provider, receiving a chronic disease diagnosis, and experiencing medical disability. Earn.org is a community-based non-profit based in San Francisco with a mission to help low-income workers build lifelong savings habits and financial capability. The organization is one of the largest providers of "goal-based savings accounts" or "matched savings accounts" in the US. The investigators propose to conduct a randomized controlled trial to determine the health effects of Earn's savings program. Through this trial, the investigators will test three principal hypotheses: (1) Participants in the Earn account, as compared to a control group, are hypothesized to demonstrate improved scores on mental health scales assessing depression and anxiety. (2) Participants in the Earn account, as compared to a control group, are hypothesized to experience lower odds of harmful behaviors associated with stress, specifically tobacco and alcohol abuse. The investigators hypothesize that the effect on behaviors will be of smaller effect size, and more delayed, than the effect on mental health outcomes, judging from similar effects observed in the micro-credit literature. (3) The mediating variables between Earn account participation and beneficial health outcomes will include increased optimism and internal locus of control.
Primary Outcome
The following survey measures of self-rated health are taken from the validated CDC Behavioral Risk Factor Surveillance Study and will be recorded and reported from our study: H0) Would you say that in general your health, as compared to other people your age, is…? \[ Excellent Very good Good Fair OR Poor \] H1) Please think about your physical health. This includes physical illness and injury. How many days during the past 30 days was your physical health not good? \[Number from 0 to 30\]
Interventions
- BEHAVIORAL Savings program
Trial Details
| Field | Value |
|---|---|
| Enrollment Target | 678 participants |
| Start Date | 2016-10 |
| Est. Completion | 2018-04-13 |
| Phase | NA |
What the finished NCT02185612 record still lists
NCT02185612 is an interventional study that assigns participants to a tested intervention. The registered 678 participants enrollment target is mid-sized for trials with a published cap, below the 1,404-participant average among 58,714 other NA trials with a reported enrollment target (52% lower).
The record links to 0 conditions, and to 1 intervention - of which Savings program is the first listed.
NCT02185612 does not publish any study locations in the registry export this page uses.
Frequently Asked Questions
What is clinical trial NCT02185612 about?
NCT02185612 is a clinical study titled "The EARN-Health Trial of Financial Savings and Health". The current literature in social epidemiology and public health suggests that low financial savings has an unsurprising negative relationship with subjective well-being, and increases the odds of making visits to a healthcare provider, receiving a chronic disease diagnosis, and experiencing medical ...
What is the current status of trial NCT02185612?
This trial is currently completed. It is a NA study. The enrollment target is 678 participants. The study started on 2016-10. Estimated completion is 2018-04-13.
What interventions are being tested in trial NCT02185612?
The interventions under investigation include: Savings program (BEHAVIORAL).
Who is sponsoring clinical trial NCT02185612?
This trial is sponsored by Stanford University, which has 1,744 total clinical trials registered on ClinicalTrials.gov.
Learn More About Clinical Trials
How this trial's enrollment target compares
Where NCT02185612's enrollment target sits among peer trials
678 151st of 2000 higher than 1,850 of 2,000 other NA trials
participants (enrollment target), bucketed by value
Each bar is a band; taller bars hold more other NA trials. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source ClinicalTrials.gov registry export · 2026-08-08
Nationwide trials with similar profiles
Cross-condition peers matched on enrollment target and registry start date, not the same-condition list above.
Similar enrollment target
- NCT05372484 · 678 participants · NA
Rice Technologies for Cervical Cancer Screening and Diagnosis
- NCT06436924 · 678 participants
Safety and Efficacy of Workflows of High Volume Single Operators in a LAAO Device Implant Procedural Day
- NCT03501706 · 680 participants · NA
An Assessment of Cognitive Improvement Training Among Mid-life Individuals
- NCT05626452 · 680 participants · NA
PrEP Optimization Among Women to Enhance Retention and Uptake
Similar registry start date
- NCT05988463 · started 2027-01-01 · Phase 1
Dose-Escalation Study of Artesunate Patients With IPF
- NCT07219706 · started 2026-12-10 · NA
Dietary Fiber and Time Restricted Eating
- NCT02831335 · started 2026-12-01
Technical Development of Multi-Parametric Renocerebral MRI
- NCT05962346 · started 2026-12 · NA
Fetal Endoscopic Tracheal Occlusion for Congenital Diaphragmatic Hernia