credit via mobile phones. This paper reports the results of a randomized evaluation of a digital loan product in Nigeria …

administrative credit panel data, we show that the payment pause led to a sharp drop in student loan payments and delinquencies for … borrowers subject to the debt moratorium, as well as an increase in credit scores. We find a large stimulus effect, as borrowers … to increase borrowing on credit cards, mortgages, and auto loans rather than avoid delinquencies. The effects are …

This study aims to test financial literacy and credit conditions in determining formal credit access to determine the …, Gresik, and Sidoarjo) with a sample size of 100 actors who had accessed formal credit using the stratified random sampling … method for data collection. The results of Smart PLS analysis show that financial literacy and credit terms directly and …