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- W4244885364 abstract "This paper studies the use of psychometric tests, designed by the Entrepreneurial Finance Lab (EFL), as a tool to screen out high credit risk and potentially increase access to credit for small business owners in Peru. We compare repayment behavior patterns across entrepreneurs who were offered a loan based on the traditional credit scoring method versus the EFL tool. We find that the psychometric test can lower the risk of the loan portfolio when used as a secondary screening mechanism for already banked entrepreneurs—that is, those with a credit history. The EFL tool can also allow lenders to offer credit to some unbanked entrepreneurs—that is, those without a credit history—who were rejected based on their traditional credit scores, without increasingthe risk of the portfolio." @default.
- W4244885364 created "2022-05-12" @default.
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- W4244885364 date "2016-03-30" @default.
- W4244885364 modified "2023-09-25" @default.
- W4244885364 title "Psychometrics as a Tool to Improve Credit Information" @default.
- W4244885364 doi "https://doi.org/10.1596/32232" @default.
- W4244885364 hasPublicationYear "2016" @default.
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