Behavior Revealed in Mobile Phone Usage Predicts Loan Repayment
نویسندگان
چکیده
منابع مشابه
Behavior Revealed in Mobile Phone Usage Predicts Loan Repayment
Many households in developing countries lack formal financial histories, making it difficult for banks to extend loans, and for potential borrowers to receive them. However, many of these households have mobile phones, which generate rich data about behavior. This paper shows that behavioral signatures in mobile phone data predict loan default, using call records matched to loan outcomes. In a ...
متن کاملDoes Microfinance Repayment Flexibility Affect Entrepreneurial Behavior and Loan Default?
Recent evidence suggests heterogenous impacts of microfinance loans, with limited average effects on enterprise growth among the poor. One possibility is that the rigidity of the classic microcredit contract – widely held to be important for reducing default – inhibits investment in microenterprises. To explore these trade-offs, we provide experimental estimates of the consequences for client r...
متن کاملCredit Registries, Relationship Banking and Loan Repayment
This paper examines the impact of a public credit registry on the repayment behavior of borrowers. We implement an experimental credit market in which loan repayment is not third-party enforceable. We compare market outcome with a credit registry to that without a credit registry. This experiment is conducted for two market environments: first a market in which interactions between borrowers an...
متن کاملInstitutional arrangements, credit market development and loan repayment in Chile
In this paper, we study the effect of legal reforms and institutional changes on credit market development and the low level of unpaid debt in the Chilean banking sector. Using time series data on yearly basis (1960-1997), we conclude that both information sharing and deep financial market liberalization during the seventies are positively related to the credit market development. Moreover, usi...
متن کاملAn empirical study on mobile phone usage
One of the major scientific undertakings over the past few years has been exploring the interaction between humans and machines in mobile environments. We have smart devices with high computational power. Some devices are also aware of context. For example, some mobile devices have built in GPS, light sensor and other detection devices like [1]. In this work, we will examine how mobile device c...
متن کاملذخیره در منابع من
با ذخیره ی این منبع در منابع من، دسترسی به آن را برای استفاده های بعدی آسان تر کنید
ژورنال
عنوان ژورنال: SSRN Electronic Journal
سال: 2018
ISSN: 1556-5068
DOI: 10.2139/ssrn.2611775