We study the role of morality in debt repayment, using an experiment with the credit card customers of a large Islamic … bank in Indonesia. In our main treatment, clients receive a text message stating that “non-repayment of debts by someone …

We study the role of morality in debt repayment, using an experiment with the credit card customers of a large Islamic … bank in Indonesia. In our main treatment, clients receive a text message stating that “non-repayment of debts by someone …

individual liability, we develop and implement a two-stage field experiment that permits separate identification of peer … screening and enforcement effects. We allow for borrower heterogeneity in both ex-ante repayment type and ex-post susceptibility … information. Our method allows us to cleanly identify selection on the likelihood of repayment, selection on the susceptibility to …

We study the role of morality in debt repayment, using an experiment with the credit card customers of a large Islamic … bank in Indonesia. In our main treatment, clients receive a text message stating that “non-repayment of debts by someone …

We study the role of morality in debt repayment, using an experiment with the credit card customers of a large Islamic … bank in Indonesia. In our main treatment, clients receive a text message stating that "non-repayment of debts by someone …

individual liability, we develop and implement a two-stage field experiment that permits separate identification of peer … screening and enforcement effects. We allow for borrower heterogeneity in both ex-ante repayment type and ex-post susceptibility … information. Our method allows us to cleanly identify selection on the likelihood of repayment, selection on the susceptibility to …