Bitte verwenden Sie diesen Link, um diese Publikation zu zitieren, oder auf sie als Internetquelle zu verweisen: https://hdl.handle.net/10419/59162 
Erscheinungsjahr: 
2012
Schriftenreihe/Nr.: 
Economic Growth Center Discussion Paper No. 1011
Verlag: 
Yale University, Economic Growth Center, New Haven, CT
Zusammenfassung: 
We worked with two microlenders to test impacts of randomly assigned reminders for loan repayments in the text messaging capital of the world. We do not find strong evidence that loss versus gain framing or messaging timing matter. Messages only robustly improve repayment when they include the loan officer's name. This effect holds for clients serviced by the loan officer previously but not for first-time borrowers. Taken together, the results highlight the potential and limits of communications technology for mitigating moral hazard, and suggest that personal obligation/reciprocity between borrowers and bank employees can be harnessed to help overcome market failures.
Schlagwörter: 
microcredit
microfinance
randomized evaluation
development finance
JEL: 
D21
D92
G21
O16
O17
Dokumentart: 
Working Paper

Datei(en):
Datei
Größe
310.54 kB





Publikationen in EconStor sind urheberrechtlich geschützt.