For this week's discussion, I choose the study on Small individual loans and mental health: a randomized controlled trial among South African adults. The population parameter(s) in the hypothesis are the effects of access to credit on mental health indicators, specifically, perceived stress and depressive symptoms, among individuals living in poverty in South Africa. According to the study results, based on a p-value of 0.02, the participants who were in the study treatment group had a greater likelihood of experiencing high symptoms of stress and low symptoms of depression when compared with those assigned to the control group. It was interesting to note that in the study, among men who were randomly allocated to receive a second chance for a cash loan, they experienced increased symptoms of perceived stress but had decreased depressive symptoms. However, there were no significant findings among women for these parameters in the treatment and control groups. The researchers concluded that while access to credit can reduce depressive symptoms in men, it showed increased perceived stress in this group. This suggests a mixed effect of credit access on psychological well-being among extremely poor individuals. The researchers concluded the importance of considering mental health outcomes when evaluating poverty-alleviation tools.