Is Digital Credit Filling a Hole or Digging a Hole? Evidence from Malawi
收藏NBER2021-12-01 更新2025-01-04 收录
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https://www.nber.org/papers/w29573
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资源简介：
Digital credit has expanded rapidly in Africa, mostly in the form of short-term, high-interest loans offered via mobile money. Loan terms are often opaque and consumer financial literacy is low, providing opportunities for predatory lending. A regression discontinuity analysis shows no negative
数字信贷（Digital credit）在非洲迅猛扩张，多数以通过移动货币提供的短期高息贷款形式出现。贷款条款往往不透明，且消费者金融素养较低，这为掠夺性放贷创造了条件。一项断点回归分析（regression discontinuity analysis）未显示出负面
提供机构：
美国国家经济研究局
创建时间：
2021-12-01
