Year: 2020
Type: article
Study design: Clinical Trial
Abstract: 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.
Source: Социологические исследования
Author: Alexander Myagkov
Language: English
Subfield: Safety Research
Field: Social Sciences
Domain: Social Sciences
Open Access status: bronze
OpenAlex ID: W3045406845