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Evening the Credit Score? : Impact of Psychometric Loan Appraisal for Women Entrepreneurs / Salman Alibhai [and three others].
World Bank Open Knowledge Repository (formerly "World Bank E-Library Publications") Available online
View online- Format:
- Book
- Author/Creator:
- Alibhai, Salman, author.
- Language:
- English
- Subjects (All):
- Credit scoring systems.
- Businesswomen.
- Psychometric.
- Physical Description:
- 1 online resource (36 pages)
- Place of Publication:
- Washington, DC : World Bank, 2022.
- Summary:
- 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 US7,500, 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.
- Notes:
- Description based on publisher supplied metadata and other sources.
- Publisher Number:
- 10.1596/1813-9450-10230
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