Evening the Credit Score ? Impact of Psychometric Loan Appraisal for Women Entrepreneurs (English)

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...
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DETAILS

  • Alibhai,Aly Salman;
    Cassidy,Rachel;
    Goldstein,Markus P.;
    Papineni,Sreelakshmi;

  • 2022/11/14

  • Policy Research Working Paper

  • WPS10230

  • 1

  • Ethiopia,

  • Eastern And Southern Africa,

  • 2022/11/14

  • Disclosed

  • Evening the Credit Score ? Impact of Psychometric Loan Appraisal for Women Entrepreneurs

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Citation

Alibhai,Aly Salman; Cassidy,Rachel; Goldstein,Markus P.; Papineni,Sreelakshmi.

Evening the Credit Score ? Impact of Psychometric Loan Appraisal for Women Entrepreneurs (English). Policy Research working paper ; no. WPS 10230; COVID-19 (Coronavirus); Impact Evaluation series Washington, D.C. : World Bank Group. http://documents.worldbank.org/curated/en/099441511142232337

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