loans

Offering loans with flexible repayment schedules can improve outcomes for vulnerable borrowers while also reducing the risks faced by lending institutions

Loans allowed low-income households to reallocate labour away from the market and back onto their own farms, and thereby improve their own harvests

An experiment in Uganda shows that securing a loan with digital collateral can lead to positive benefits for both borrower and lender

Borrowers who receive loans for a fixed asset run larger businesses and see higher profits, with positive impacts on household consumption

Access to fast cash through digital credit may put consumers at risk for over-indebtedness and likelihood of default

Discrimination in consumer lending seems to come largely from biased male officers; combatting it may require cultural changes at the institutional level

Does easing the financial stress of short-term workers by paying them earlier lead to productivity improvements?

Revoking access to microcredit was costly – and not just for the households that borrowed