The prevention of asymmetric information plays a major role in successful small business lending. The purpose of this research is to determine if small business applicants report their income information correctly when requesting a loan. Therefore, a randomized controlled trial bogus pipeline...

Purpose: With exclusive data from a commercial microfinance institution (MFI) in Madagascar, the purpose of this paper is to investigate if loan officer rotation (change of loan officer) has an effect on credit access (loan approval) in rural and in urban areas. The authors further analyze how...

The development, implementation, operation, support, maintenance, and upgrade of enterprise systems (ES) have given rise to a multibillion dollar industry. Nonetheless, this industry has been perceived as having difficulties in achieving an adequate return on investment. We believe that a major...

This study investigates the relationship between financial literacy and farmers' awareness of digital credit in rural Madagascar. We apply questions that demonstrate individuals' understanding of the four fundamental concepts for financial decision making: numeracy, interest compounding,...

Using a unique dataset of a commercial microfinance institution in Madagascar, this paper investigates how the provision of microfinance loans with (in)flexible repayment schedules affects loan delinquencies of agricultural borrowers. Flexible repayment schedules allow a redistribution of...