Evening the Credit Score? Impact of Psychometric Loan Appraisal for Women Entrepreneurs

• Tác giả: Salman Alibhai
• Ngôn ngữ: eng
• Ký hiệu phân loại: 376.64 [Unassigned]
• Thông tin xuất bản: World Bank, Washington, DC, 2022
• Bộ sưu tập: Tài liệu truy cập mở
• ID: 294754
• Chủ đề: 1. ASSET OWNERSHIP; 2. MICROFINANCE LENDING; 3. PROPERTY RIGHTS; 4. WOMEN'S ACCESS TO BUSINESS LENDING; 5. WOMEN'S ENTREPRENEURSHIP

Tóm tắt

 Women's lower rates of ownership of collateralizable assets are a constraint to accessing larger business loans. This paper tests the impact of using psychometric credit scoring as a substitute for collateral for loans up to US,500, via a randomized controlled trial with a microfinance institution in Ethiopia. The paper finds positive impacts on women's access to credit, and survival of their firms during the COVID-19 pandemic and conflict. Firms that remained operational were profitable
  but there is limited evidence of impact on firm growth under these circumstances. The study showcases the potential for using innovative technologies to extend entrepreneurial finance to underserved markets.