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  1. A personal touch
    text messaging for loan repayment
    Author: Karlan, Dean; Morten, Melanie; Zinman, Jonathan
    Published: 2012

    Location:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signature:
    W 1 (17952)
    Inter-library loan:
    Unlimited inter-library loan, copies and loan
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    Source: Union catalogues
    Language: English
    Media type: Book
    Format: Print
    Series: NBER working paper series ; 17952
    Subjects: Finanzmarkt; Mikrofinanzierung; Anleihe; Risiko; Informationsversorgung; Moral Hazard; Philippinen
    Scope: 11, [6] S.
    Notes:

    Parallel als Online-Ausg. erschienen
  2. A personal touch
    text messaging for loan repayment
    Author: Karlan, Dean; Morten, Melanie; Zinman, Jonathan
    Published: 2012
    Publisher:  Yale Univ., Economic Growth Center [u.a.], New Haven, Conn.

    We worked with two microlenders to test impacts of randomly assigned reminders for loan repayments in the "text messaging capital of the world". We do not find strong evidence that loss versus gain framing or messaging timing matter. Messages only... more

    Location:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signature:
    DS 90 (1011)
    Inter-library loan:
    No inter-library loan

     

    We worked with two microlenders to test impacts of randomly assigned reminders for loan repayments in the "text messaging capital of the world". We do not find strong evidence that loss versus gain framing or messaging timing matter. Messages only robustly improve repayment when they include the loan officer's name. This effect holds for clients serviced by the loan officer previously but not for first-time borrowers. Taken together, the results highlight the potential and limits of communications technology for mitigating moral hazard, and suggest that personal obligation/reciprocity between borrowers and bank employees can be harnessed to help overcome market failures. -- microcredit ; microfinance ; randomized evaluation ; development finance

     
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    Content information
    Source: Union catalogues
    Language: English
    Media type: Book
    Format: Online
    Other identifier:
    hdl: 10419/59162
    Series: Center discussion paper / Economic Growth Center ; 1011
    Economics Department working paper / Yale University ; 102
    Subjects: Finanzmarkt; Mikrofinanzierung; Anleihe; Risiko; Informationsversorgung; Moral Hazard; Philippinen
    Scope: Online Ressource (PDF-Datei: 11 S., 310,54 KB)