Arraiz, Irani
[VerfasserIn]
;
Bruhn, Miriam
[Sonstige Person, Familie und Körperschaft];
Ruiz Ortega, Claudia
[Sonstige Person, Familie und Körperschaft];
Stucchi, Rodolfo
[Sonstige Person, Familie und Körperschaft]
Are Psychometric Tools a Viable Screening Method for Small and Medium-Size Enterprise Lending? Evidence from Peru
Erschienen in:World Bank Policy Research Working Paper ; No. 8276
Umfang:
1 Online-Ressource (36 p)
Sprache:
Englisch
Entstehung:
Anmerkungen:
Nach Informationen von SSRN wurde die ursprüngliche Fassung des Dokuments December 14, 2017 erstellt
Beschreibung:
This study collaborated with the Entrepreneurial Finance Lab and a large bank in Peru to use psychometrics for small and medium-size enterprise lending. Applicants used a psychometric tool and those who achieved a score higher than a threshold were offered a loan. Using a regression discontinuity design and credit bureau data, the study finds that the tool increased small and medium-size enterprise loan use by up to 59 percentage points for applicants without a credit history, without leading to worse repayment behavior. This increase in borrowing resulted primarily from financial institutions other than the partner bank. For applicants with a credit history, the tool did not increase small and medium-size enterprise loan use