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 explores the impact of international financial integration on credit markets in Latin America, using a cross … international financial shocks on aggregate credit and interest rate fluctuations. Nonetheless, the net impact of integration on … deepening credit markets dominates for the large majority of states of nature. The paper also uses a detailed bank-level dataset …