| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w17952 |
| 来源ID | Working Paper 17952 |
| A Personal Touch: Text Messaging for Loan Repayment | |
| Dean Karlan; Melanie Morten; Jonathan Zinman | |
| 发表日期 | 2012-03-29 |
| 出版年 | 2012 |
| 语种 | 英语 |
| 摘要 | 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. |
| 主题 | Microeconomics ; Households and Firms ; Behavioral Economics ; Financial Economics ; Financial Institutions ; Development and Growth ; Development |
| URL | https://www.nber.org/papers/w17952 |
| 来源智库 | National Bureau of Economic Research (United States) |
| 引用统计 | |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/575628 |
| 推荐引用方式 GB/T 7714 | Dean Karlan,Melanie Morten,Jonathan Zinman. A Personal Touch: Text Messaging for Loan Repayment. 2012. |
| 条目包含的文件 | ||||||
| 文件名称/大小 | 资源类型 | 版本类型 | 开放类型 | 使用许可 | ||
| w17952.pdf（198KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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