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$7,500, 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...
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INFORMATION
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2022/11/14
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Document de travail de recherche sur les politiques
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WPS10230
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1
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2022/11/14
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Disclosed
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Evening the Credit Score ? Impact of Psychometric Loan Appraisal for Women Entrepreneurs