아프리카ㆍ중동
연구정보
[경제] Evening the Credit Score ? Impact of Psychometric Loan Appraisal for Women Entrepreneurs
에티오피아 국외연구자료 연구보고서 - World Bank 발간일 : 2022-11-14 등록일 : 2022-11-20 원문링크
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 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.
본 페이지에 등재된 자료는 운영기관(KIEP) 및 EMERiCs의 공식적인 입장을 대변하고 있지 않습니다.
