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  • 1
    Online Resource
    Online Resource
    Evening the Credit Score? : Impact of Psychometric Loan Appraisal for Women Entrepreneurs (2022)
    Washington, D.C : The World Bank
    Details
    Language: English
    Pages: 1 Online-Ressource (36 pages)
    Parallel Title: Erscheint auch als Alibhai, Salman Evening the Credit Score?: Impact of Psychometric Loan Appraisal for Women Entrepreneurs
    Keywords: 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
    Abstract: 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
    DOI: 10.1596/1813-9450-10230
    URL: lizenzpflichtig
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    MPI Ethno. Forsch.
  • 2
    Online Resource
    Online Resource
    How to Escape the Microfinance Lending Squeeze : Evidence from Ethiopia (2021)
    Washington, D.C : The World Bank
    Details
    Language: English
    Pages: 1 Online-Ressource
    Series Statement: Policy Notes
    Abstract: Across the world, small-scale lenders - including microfinance institutions (MFIs), community-based financial institutions, and other nonbank financial institutions - have grappled with uncertainty through the Coronavirus disease 2019 (COVID-19) pandemic as portfolio quality deteriorated and capital buffers were drawn down. Ethiopia's microfinance borrowers - particularly micro and small enterprises (MSEs) are currently facing a financing squeeze that undermines their resilience during the COVID-19 crisis and threatens to slow their recovery. Although Ethiopian MFIs entered the crisis in good financial health, they soon began to face deteriorating portfolios and a contraction in liquidity. Drawing on data collected from a panel of major MFIs, this policy brief provides an overview of the microfinance lending squeeze in Ethiopia and outlines ways to overcome it. Sections one and two looks at the impact of the COVID-19 pandemic on Ethiopian MFIs and on their borrowers, respectively, and show how MFIs responded to liquidity constraints by cutting off financing to MSEs. Sections three and four discuss possible ways out of the crisis, outlining four concrete ways to ease the squeeze and highlighting new interventions in Ethiopia that provide emergency financing to MFIs and the MSEs they serve. The aim of this brief is to shed light on the lending squeeze in Ethiopia, and to share lessons for post-pandemic microfinance lending globally
    DOI: 10.1596/35758
    URL: Deutschlandweit zugänglich
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    Online Resource
    MPI Ethno. Forsch.
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