Economics Webinar - Digital Credit: Filling a Hole, or Digging a Hole? Evidence from Malawi
9:00am - 10:30am
Zoom Meeting ID: 968 790 9998 (password 5177744)
Consumer digital credit has the potential to expand credit access dramatically; however, as currently offered, loans tend to be for small amounts, with short terms, at high effective interest rates (well over 100% APR annually). What is the effect of access to these loans? Are consumers informed about loan terms? We use two research approaches to answer these questions in Malawi. First, we use a regression discontinuity design around credit score thresholds to estimate impacts. Second, we conduct a financial literacy RCT which informed customers of the sizeable fees and penalties associated with the loan.
活動形式
講者/ 表演者:
Prof. Jonathan Robinson
University of California, Santa Cruz
語言
英文
適合對象
校友
教職員
研究生
主辦單位
經濟學系
聯絡方法
Julie Wong by email: fnjuwong@ust.hk