Interest Rate Caps, Competition, and Strategic Borrowing: Evidence from Kenya
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We study Kenyas 2016 interest-rate regulation, which capped bank lending rates but left one digital platform, called M-Shwari, exempt on the lending side while imposing a deposit-rate floor across all lenders in the market. Using borrower-level administrative data, survey data, and an RD around the
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美国国家经济研究局创建时间：
2026-05-01
