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 …

This paper studies the relationship between competition measures at the bank level and the price of credit for non … indicator. Evidence is provided that similar loans provided by banks with higher market power (Lerner indicator) are …