Arráiz, Irani; Bruhn, Miriam; Stucchi, Rodolfo - 2015
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 … psychometric test can lower the risk of the loan portfolio when used as a secondary screening mechanism for already banked …