Evening the Credit Score?: Impact of Psychometric Loan Appraisal for Women Entrepreneurs
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 USD 7,500, via a randomized controlled trial with a microfinance insti...
Gespeichert in:
| 1. Verfasser: | |
|---|---|
| Format: | Elektronisch E-Book |
| Sprache: | English |
| Veröffentlicht: |
Washington, D.C
The World Bank
2022
|
| Schlagworte: | |
| Online-Zugang: | kostenfrei |
| Zusammenfassung: | 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 USD 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 |
| Beschreibung: | 1 Online-Ressource (36 Seiten) |
| DOI: | 10.1596/1813-9450-10230 |
Internformat
MARC
| LEADER | 00000nmm a22000001c 4500 | ||
|---|---|---|---|
| 001 | BV049079479 | ||
| 003 | DE-604 | ||
| 007 | cr|uuu---uuuuu | ||
| 008 | 230731s2022 xxu|||| o||u| ||||||eng d | ||
| 024 | 7 | |a 10.1596/1813-9450-10230 |2 doi | |
| 035 | |a (ZDB-1-WBA)084027789 | ||
| 035 | |a (OCoLC)1392150786 | ||
| 035 | |a (DE-599)KEP084027789 | ||
| 040 | |a DE-604 |b ger |e rda | ||
| 041 | 0 | |a eng | |
| 044 | |a xxu |c XD-US | ||
| 049 | |a DE-12 |a DE-521 |a DE-573 |a DE-523 |a DE-Re13 |a DE-19 |a DE-355 |a DE-703 |a DE-91 |a DE-706 |a DE-29 |a DE-M347 |a DE-473 |a DE-824 |a DE-20 |a DE-739 |a DE-1043 |a DE-863 |a DE-862 | ||
| 100 | 1 | |a Alibhai, Salman |e Verfasser |4 aut | |
| 245 | 1 | 0 | |a Evening the Credit Score? |b Impact of Psychometric Loan Appraisal for Women Entrepreneurs |c Salman Alibhai |
| 264 | 1 | |a Washington, D.C |b The World Bank |c 2022 | |
| 300 | |a 1 Online-Ressource (36 Seiten) | ||
| 336 | |b txt |2 rdacontent | ||
| 337 | |b c |2 rdamedia | ||
| 338 | |b cr |2 rdacarrier | ||
| 520 | 3 | |a 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 USD 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 | |
| 650 | 4 | |a Access To Finance | |
| 650 | 4 | |a Asset Ownership | |
| 650 | 4 | |a Entrepreneurial Finance | |
| 650 | 4 | |a Finance and Financial Sector Development | |
| 650 | 4 | |a Gender | |
| 650 | 4 | |a Gender and Poverty | |
| 650 | 4 | |a Gender and Social Development | |
| 650 | 4 | |a Innovative Loan Appraisal | |
| 650 | 4 | |a Microenterprises | |
| 650 | 4 | |a Microfinance Lending | |
| 650 | 4 | |a Private Sector Development | |
| 650 | 4 | |a Property Rights | |
| 650 | 4 | |a Women's Access to Business Lending | |
| 650 | 4 | |a Women's Entrepreneurship | |
| 700 | 1 | |a Cassidy, Rachel |e Sonstige |4 oth | |
| 700 | 1 | |a Goldstein, Markus |e Sonstige |4 oth | |
| 700 | 1 | |a Papineni, Sreelakshmi |e Sonstige |4 oth | |
| 776 | 0 | 8 | |i Erscheint auch als |n Druck-Ausgabe |a Alibhai, Salman |t Evening the Credit Score?: Impact of Psychometric Loan Appraisal for Women Entrepreneurs |d Washington, D.C. : The World Bank, 2022 |
| 856 | 4 | 0 | |u https://doi.org/10.1596/1813-9450-10230 |x Verlag |z kostenfrei |3 Volltext |
| 912 | |a ZDB-1-WBA | ||
| 943 | 1 | |a oai:aleph.bib-bvb.de:BVB01-034341370 | |
Datensatz im Suchindex
| _version_ | 1812671834593689600 |
|---|---|
| adam_text | |
| adam_txt | |
| any_adam_object | |
| any_adam_object_boolean | |
| author | Alibhai, Salman |
| author_facet | Alibhai, Salman |
| author_role | aut |
| author_sort | Alibhai, Salman |
| author_variant | s a sa |
| building | Verbundindex |
| bvnumber | BV049079479 |
| collection | ZDB-1-WBA |
| ctrlnum | (ZDB-1-WBA)084027789 (OCoLC)1392150786 (DE-599)KEP084027789 |
| discipline | Wirtschaftswissenschaften |
| discipline_str_mv | Wirtschaftswissenschaften |
| doi_str_mv | 10.1596/1813-9450-10230 |
| format | Electronic eBook |
| fullrecord | <?xml version="1.0" encoding="UTF-8"?><collection xmlns="http://www.loc.gov/MARC21/slim"><record><leader>00000nmm a22000001c 4500</leader><controlfield tag="001">BV049079479</controlfield><controlfield tag="003">DE-604</controlfield><controlfield tag="007">cr|uuu---uuuuu</controlfield><controlfield tag="008">230731s2022 xxu|||| o||u| ||||||eng d</controlfield><datafield tag="024" ind1="7" ind2=" "><subfield code="a">10.1596/1813-9450-10230</subfield><subfield code="2">doi</subfield></datafield><datafield tag="035" ind1=" " ind2=" "><subfield code="a">(ZDB-1-WBA)084027789</subfield></datafield><datafield tag="035" ind1=" " ind2=" "><subfield code="a">(OCoLC)1392150786</subfield></datafield><datafield tag="035" ind1=" " ind2=" "><subfield code="a">(DE-599)KEP084027789</subfield></datafield><datafield tag="040" ind1=" " ind2=" "><subfield code="a">DE-604</subfield><subfield code="b">ger</subfield><subfield code="e">rda</subfield></datafield><datafield tag="041" ind1="0" ind2=" "><subfield code="a">eng</subfield></datafield><datafield tag="044" ind1=" " ind2=" "><subfield code="a">xxu</subfield><subfield code="c">XD-US</subfield></datafield><datafield tag="049" ind1=" " ind2=" "><subfield code="a">DE-12</subfield><subfield code="a">DE-521</subfield><subfield code="a">DE-573</subfield><subfield code="a">DE-523</subfield><subfield code="a">DE-Re13</subfield><subfield code="a">DE-19</subfield><subfield code="a">DE-355</subfield><subfield code="a">DE-703</subfield><subfield code="a">DE-91</subfield><subfield code="a">DE-706</subfield><subfield code="a">DE-29</subfield><subfield code="a">DE-M347</subfield><subfield code="a">DE-473</subfield><subfield code="a">DE-824</subfield><subfield code="a">DE-20</subfield><subfield code="a">DE-739</subfield><subfield code="a">DE-1043</subfield><subfield code="a">DE-863</subfield><subfield code="a">DE-862</subfield></datafield><datafield tag="100" ind1="1" ind2=" "><subfield code="a">Alibhai, Salman</subfield><subfield code="e">Verfasser</subfield><subfield code="4">aut</subfield></datafield><datafield tag="245" ind1="1" ind2="0"><subfield code="a">Evening the Credit Score?</subfield><subfield code="b">Impact of Psychometric Loan Appraisal for Women Entrepreneurs</subfield><subfield code="c">Salman Alibhai</subfield></datafield><datafield tag="264" ind1=" " ind2="1"><subfield code="a">Washington, D.C</subfield><subfield code="b">The World Bank</subfield><subfield code="c">2022</subfield></datafield><datafield tag="300" ind1=" " ind2=" "><subfield code="a">1 Online-Ressource (36 Seiten)</subfield></datafield><datafield tag="336" ind1=" " ind2=" "><subfield code="b">txt</subfield><subfield code="2">rdacontent</subfield></datafield><datafield tag="337" ind1=" " ind2=" "><subfield code="b">c</subfield><subfield code="2">rdamedia</subfield></datafield><datafield tag="338" ind1=" " ind2=" "><subfield code="b">cr</subfield><subfield code="2">rdacarrier</subfield></datafield><datafield tag="520" ind1="3" ind2=" "><subfield code="a">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 USD 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</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Access To Finance</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Asset Ownership</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Entrepreneurial Finance</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Finance and Financial Sector Development</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Gender</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Gender and Poverty</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Gender and Social Development</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Innovative Loan Appraisal</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Microenterprises</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Microfinance Lending</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Private Sector Development</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Property Rights</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Women's Access to Business Lending</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Women's Entrepreneurship</subfield></datafield><datafield tag="700" ind1="1" ind2=" "><subfield code="a">Cassidy, Rachel</subfield><subfield code="e">Sonstige</subfield><subfield code="4">oth</subfield></datafield><datafield tag="700" ind1="1" ind2=" "><subfield code="a">Goldstein, Markus</subfield><subfield code="e">Sonstige</subfield><subfield code="4">oth</subfield></datafield><datafield tag="700" ind1="1" ind2=" "><subfield code="a">Papineni, Sreelakshmi</subfield><subfield code="e">Sonstige</subfield><subfield code="4">oth</subfield></datafield><datafield tag="776" ind1="0" ind2="8"><subfield code="i">Erscheint auch als</subfield><subfield code="n">Druck-Ausgabe</subfield><subfield code="a">Alibhai, Salman</subfield><subfield code="t">Evening the Credit Score?: Impact of Psychometric Loan Appraisal for Women Entrepreneurs</subfield><subfield code="d">Washington, D.C. : The World Bank, 2022</subfield></datafield><datafield tag="856" ind1="4" ind2="0"><subfield code="u">https://doi.org/10.1596/1813-9450-10230</subfield><subfield code="x">Verlag</subfield><subfield code="z">kostenfrei</subfield><subfield code="3">Volltext</subfield></datafield><datafield tag="912" ind1=" " ind2=" "><subfield code="a">ZDB-1-WBA</subfield></datafield><datafield tag="943" ind1="1" ind2=" "><subfield code="a">oai:aleph.bib-bvb.de:BVB01-034341370</subfield></datafield></record></collection> |
| id | DE-604.BV049079479 |
| illustrated | Not Illustrated |
| index_date | 2024-07-03T22:27:56Z |
| indexdate | 2024-10-12T04:02:52Z |
| institution | BVB |
| language | English |
| oai_aleph_id | oai:aleph.bib-bvb.de:BVB01-034341370 |
| oclc_num | 1392150786 |
| open_access_boolean | 1 |
| owner | DE-12 DE-521 DE-573 DE-523 DE-Re13 DE-BY-UBR DE-19 DE-BY-UBM DE-355 DE-BY-UBR DE-703 DE-91 DE-BY-TUM DE-706 DE-29 DE-M347 DE-473 DE-BY-UBG DE-824 DE-20 DE-739 DE-1043 DE-863 DE-BY-FWS DE-862 DE-BY-FWS |
| owner_facet | DE-12 DE-521 DE-573 DE-523 DE-Re13 DE-BY-UBR DE-19 DE-BY-UBM DE-355 DE-BY-UBR DE-703 DE-91 DE-BY-TUM DE-706 DE-29 DE-M347 DE-473 DE-BY-UBG DE-824 DE-20 DE-739 DE-1043 DE-863 DE-BY-FWS DE-862 DE-BY-FWS |
| physical | 1 Online-Ressource (36 Seiten) |
| psigel | ZDB-1-WBA |
| publishDate | 2022 |
| publishDateSearch | 2022 |
| publishDateSort | 2022 |
| publisher | The World Bank |
| record_format | marc |
| spellingShingle | Alibhai, Salman Evening the Credit Score? Impact of Psychometric Loan Appraisal for Women Entrepreneurs Access To Finance Asset Ownership Entrepreneurial Finance Finance and Financial Sector Development Gender Gender and Poverty Gender and Social Development Innovative Loan Appraisal Microenterprises Microfinance Lending Private Sector Development Property Rights Women's Access to Business Lending Women's Entrepreneurship |
| title | Evening the Credit Score? Impact of Psychometric Loan Appraisal for Women Entrepreneurs |
| title_auth | Evening the Credit Score? Impact of Psychometric Loan Appraisal for Women Entrepreneurs |
| title_exact_search | Evening the Credit Score? Impact of Psychometric Loan Appraisal for Women Entrepreneurs |
| title_exact_search_txtP | Evening the Credit Score? Impact of Psychometric Loan Appraisal for Women Entrepreneurs |
| title_full | Evening the Credit Score? Impact of Psychometric Loan Appraisal for Women Entrepreneurs Salman Alibhai |
| title_fullStr | Evening the Credit Score? Impact of Psychometric Loan Appraisal for Women Entrepreneurs Salman Alibhai |
| title_full_unstemmed | Evening the Credit Score? Impact of Psychometric Loan Appraisal for Women Entrepreneurs Salman Alibhai |
| title_short | Evening the Credit Score? |
| title_sort | evening the credit score impact of psychometric loan appraisal for women entrepreneurs |
| title_sub | Impact of Psychometric Loan Appraisal for Women Entrepreneurs |
| topic | Access To Finance Asset Ownership Entrepreneurial Finance Finance and Financial Sector Development Gender Gender and Poverty Gender and Social Development Innovative Loan Appraisal Microenterprises Microfinance Lending Private Sector Development Property Rights Women's Access to Business Lending Women's Entrepreneurship |
| topic_facet | Access To Finance Asset Ownership Entrepreneurial Finance Finance and Financial Sector Development Gender Gender and Poverty Gender and Social Development Innovative Loan Appraisal Microenterprises Microfinance Lending Private Sector Development Property Rights Women's Access to Business Lending Women's Entrepreneurship |
| url | https://doi.org/10.1596/1813-9450-10230 |
| work_keys_str_mv | AT alibhaisalman eveningthecreditscoreimpactofpsychometricloanappraisalforwomenentrepreneurs AT cassidyrachel eveningthecreditscoreimpactofpsychometricloanappraisalforwomenentrepreneurs AT goldsteinmarkus eveningthecreditscoreimpactofpsychometricloanappraisalforwomenentrepreneurs AT papinenisreelakshmi eveningthecreditscoreimpactofpsychometricloanappraisalforwomenentrepreneurs |