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Seminarios académicos y conferencias

Dean Karlan, Northwestern University

Credit Building or Credit Crumbling? Selection and Treatment Effects of a Credit Builder Loan

29 Noviembre 2017 - 15:30 hrs.

Sala 113, Facultad de Ciencias Económicas y Administrativas UC

Abstract: Credit-building loan products have begun to proliferate in the U.S. marketplace. However, there is little evidence on how much these products boost credit scores and for whom. IPA and RAND, a nonprofit global policy think tank, are conducting an impact evaluation of a credit-building loan product offered at a credit union in Missouri, both alone and coupled with financial counseling. In addition, this study evaluates a product add-on designed to help these borrowers save.