This paper studies the use of psychometric tests, designed by the Entrepreneurial Finance Lab (EFL), as a tool to screen out high credit risk and potentially increase access to credit for small business owners in Peru. We compare repayment behavior patterns across entrepreneurs who were offered a loan based on the traditional credit scoring method versus the EFL tool. We find that the psychometric test can lower the risk of the loan portfolio when...
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INFORMATION
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2016/03/30
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Article de revue
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140525
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1
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1
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2019/08/12
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Disclosed
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Psychometrics as a Tool to Improve Credit Information
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entrepreneur