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Working paper
In: NBER Working Paper No. w19060
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Working paper
In: CESifo Working Paper Series No. 4128
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In: Journal of Environmental Law, Band 25, Heft 3, S. 383-409
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In: IZA Discussion Paper No. 7211
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In: The economic journal: the journal of the Royal Economic Society
ISSN: 1468-0297
World Affairs Online
In: The economic journal: the journal of the Royal Economic Society, Band 134, Heft 658, S. 457-484
ISSN: 1468-0297
Abstract
Digital credit has expanded rapidly in Africa, with opaque loan terms amidst low consumer financial literacy. Rich data from Malawi shows substantial demand for a digital loan with a base interest rate of 10% over 15 days, yet most borrowers are not aware of loan terms, repay late and incur substantial late fees. Regression discontinuity analyses show no evidence that access to small digital loans harms consumers' perceived well-being. A short, randomised, phone-based financial literacy intervention improved knowledge, but did not increase timely loan repayment and modestly increased loan demand, ultimately increasing the likelihood of ever defaulting.
In: CEPR Discussion Paper No. DP16848
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In: NBER Working Paper No. w27035
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Working paper
In: Journal of development economics, Band 134, S. 1-15
ISSN: 0304-3878
In: NBER Working Paper No. w24391
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Working paper
In: Journal of development economics
ISSN: 0304-3878
World Affairs Online
In: The economic journal: the journal of the Royal Economic Society, Band 129, Heft 617, S. 273-310
ISSN: 1468-0297
In: NBER Working Paper No. w23383
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In: CEPR Discussion Paper No. DP12012
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