screen out high credit risk and potentially increase access to credit for small business owners in Peru. We use … entrepreneurs who were offered a loan based on the traditional credit-scoring method versus the EFL tool. We find that the … entrepreneurs - i.e., those with a credit history. For unbanked entrepreneurs - i.e., those without a credit history - using the EFL …

rates might affect not only the quantity, but the quality of credit extended as well. In line with this debate, this paper … Macedonia. For this purpose we use a rather unique database of corporate loans, taken from the Credit Registry of the National …