The DOI matches its Crossref record; 5 of the 5 references it cites were found in a registry or an index.
Expanding Credit Access: Using Randomized Supply Decisions to Estimate the Impacts
Open accessAbstract
Expanding access to commercial credit is a key ingredient of financial development strategies. There is less consensus on whether expanding access to consumer credit helps borrowers, particularly when loans are extended at high interest rates. Popular skepticism about “unproductive,” “usurious” lending is fueled by research highlighting behavioral biases that may induce overborrowing. We estimate the impacts of expanding access to consumer credit at a 200% annual percentage rate (APR) using a field experiment and follow-up data collection. The randomly assigned marginal loans produced significant net benefits for borrowers across a wide range of outcomes. There is also some evidence that the loans were profitable.
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Cites
The CES-D Scale: A Self-Report Depression Scale for Research in the General Population
Radloff, L. S. (1977) · Applied Psychological Measurement · doi:10.1177/014662167700100306 · Cited by 53,267
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Financial Development and Economic Growth: Views and Agenda
Levine, R. (1999) · Policy Research Working Papers · doi:10.1596/1813-9450-1678 · Cited by 2,977 · cited 1×
“Empirical evidence shows strong negative correlations between depth of access and poverty rates at the macro level (Levine 1997; Honohan 2004), and positive impacts of access to microfinance at the micro level (Pitt and Khandker 1998).”
Experimental Analysis of Neighborhood Effects
Kling, J. R., Liebman, J. B., & Katz, L. F. (2007) · Econometrica · doi:10.1111/j.1468-0262.2007.00733.x · Cited by 2,719
Anderson, M. L. (2008) · Journal of the American Statistical Association · doi:10.1198/016214508000000841 · Cited by 2,410 · cited 1×
“http://www.econ.yale.edu/~egcenter/research.htm”
Cited by
The Miracle of Microfinance? Evidence from a Randomized Evaluation
Banerjee, A., Duflo, E., Glennerster, R., & Kinnan, C. (2015) · American Economic Journal: Applied Economics · doi:10.1257/app.20130533 · Cited by 2,076
Financial Inclusion and Development
Sarma, M., & Pais, J. (2011) · Journal of International Development · doi:10.1002/jid.1698 · Cited by 1,208
Six Randomized Evaluations of Microcredit: Introduction and Further Steps
Banerjee, A., Karlan, D., & Zinman, J. (2015) · American Economic Journal: Applied Economics · doi:10.1257/app.20140287 · Cited by 988
Self-citationBeyond baseline and follow-up: The case for more T in experiments
McKenzie, D. (2012) · Journal of Development Economics · doi:10.1016/j.jdeveco.2012.01.002 · Cited by 871
Financial Inclusion and Inclusive Growth: A Review of Recent Empirical Evidence
Demirguc-Kunt, A., Klapper, L., & Singer, D. (2017) · doi:10.1596/1813-9450-8040 · Cited by 796
Metadata
- Authors
- Karlan, D., & Zinman, J.
- Venue
- Review of Financial Studies
- Publisher
- Oxford University Press (OUP)
- Published
- 2009-11-28
- Volume
- 23
- Issue
- 1
- Pages
- 433-464
- ISSN
- 0893-9454 (ISSN-L)
- 1465-7368
- OpenAlex
- W2116703037
- Cited by
- 896
- References
- 5
- FWCI
- 100.59
- Type
- journal article
- Language
- en
- Open access
- green
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