Credit reporting systems have become a widespread tool to assess the creditworthiness of prospective borrowers. This … paper studies the implications for credit access of using them in contexts where exogenous and transitory shocks affect … income and repayment. Using a novel administrative data set with the near universe of formal loans to coffee producers in …

This paper studies how weather variability affects credit scores and credit access in developing countries. Using rich … administrative data on loans to coffee farmers from a large Colombian bank, I show that negative weather shocks lead to lower loan … repayment, lower credit scores and more frequent denials of future loan applications. I present evidence that affected farmer …