| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w25604 |
| 来源ID | Working Paper 25604 |
| Fintech and Household Resilience to Shocks: Evidence from Digital Loans in Kenya | |
| Prashant Bharadwaj; William Jack; Tavneet Suri | |
| 发表日期 | 2019-03-04 |
| 出版年 | 2019 |
| 语种 | 英语 |
| 摘要 | Developing country lenders are taking advantage of fintech tools to create fully digital loans on mobile phones. Using administrative and survey data, we study the take up and impacts of one of the most popular digital loan products in the world, M-Shwari in Kenya. While 34% of those eligible for a loan take it, the loan does not substitute for other credit. The loans improve household resilience: households are 6.3 percentage points less likely to forego expenses due to negative shocks. We conclude that while digital loans improve financial access and resilience, they are not a panacea for greater credit market failures. |
| 主题 | Development and Growth ; Development ; Innovation and R& ; D ; Country Studies |
| URL | https://www.nber.org/papers/w25604 |
| 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/583278 |
| 推荐引用方式 GB/T 7714 | Prashant Bharadwaj,William Jack,Tavneet Suri. Fintech and Household Resilience to Shocks: Evidence from Digital Loans in Kenya. 2019. |
| 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 | ||
| w25604.pdf（590KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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