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	Provedor de dados AgEcon (1) Autor Karlan, Dean S. (1) Morten, Melanie (1) Zinman, Jonathan (1) Palavra-chave Consumer/Household Economics (1) D21 (1) D92 (1) Development finance (1) Financial Economics (1) G21 (1) Microcredit (1) Microfinance (1) O16 (1) O17 (1) Randomized evaluation (1) Research and Development/Tech Change/Emerging Technologies (1) Mais... Tipo do documento Working Paper (1) Ano 2012 (1) País United States (1) Idioma Inglês (1)		Ordenar por:  Relevância Autor Título Ano Registros recuperados: 1 Primeira ... 1 ... Última A Personal Touch: Text Messaging for Loan Repayment AgEcon Morten, Melanie; Karlan, Dean S.; Zinman, Jonathan. We worked with two microlenders to test impacts of randomly assigned reminders for loan repayments in the “text messaging capital of the world”. We do not find strong evidence that loss versus gain framing or messaging timing matter. Messages only robustly improve repayment when they include the loan officer’s name. This effect holds for clients serviced by the loan officer previously but not for first-time borrowers. Taken together, the results highlight the potential and limits of communications technology for mitigating moral hazard, and suggest that personal obligation/reciprocity between borrowers and bank employees can be harnessed to help overcome market failures. Tipo: Working Paper Palavras-chave: Microcredit; Microfinance; Randomized evaluation; Development finance; Consumer/Household Economics; Financial Economics; Research and Development/Tech Change/Emerging Technologies; D21; D92; G21; O16; O17. Ano: 2012 URL: http://purl.umn.edu/121867 Registros recuperados: 1 Primeira ... 1 ... Última

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