Bitte verwenden Sie diesen Link, um diese Publikation zu zitieren, oder auf sie als Internetquelle zu verweisen: https://hdl.handle.net/10419/156679 
Erscheinungsjahr: 
2017
Schriftenreihe/Nr.: 
Diskussionsbeitrag No. 1702
Verlag: 
Georg-August-Universität Göttingen, Department für Agrarökonomie und Rurale Entwicklung (DARE), Göttingen
Zusammenfassung: 
The prevention of asymmetric information plays a major role in successful small business lending. The purpose of this research is to determine if small business applicants report their income information correctly when requesting a loan. Therefore, a randomized controlled trial bogus pipeline experiment was set up during a typical cash-flow analysis of a bank for small businesses in the Philippines. Results indicate that loan applicants of the treatment group reported a lower income, an effect which is most pronounced in the lowest income percentile. Moreover, our analyses reveal higher loan delinquencies in the control group.
Schlagwörter: 
Small business finance
Income reporting
Asymmetric information
Bogus pipeline
Randomized controlled trial
Dokumentart: 
Working Paper

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