1. Understanding Poverty

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  • Free Riding in Loan Approvals : Evidence from SME Lending in Peru (English)

    This paper provides evidence that commercial lenders in Peru free ride off their peers' screening efforts. Leveraging a discontinuity in the loan approval process of a large bank, the study finds that...

    Document Type: Policy Research Working Paper Report No.: WPS9072 Document Date: December 3, 2019 Disclosure Status: Disclosed Author: Arraiz,Irani,Bruhn,Miriam,Roth,Benjamin N.,Ruiz Ortega,Claudia,Stucchi,Rodolfo Mario