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...
更多显示
详细
-
2022/11/14
-
政策研究报告
-
WPS10230
-
1
-
2022/11/14
-
Disclosed
-
Evening the Credit Score ? Impact of Psychometric Loan Appraisal for Women Entrepreneurs