Aller au contenu principal
A propos d'HEC A propos d'HEC
Summer School Summer School
Faculté et Recherche Faculté et Recherche
Bachelor Programs Bachelor Programs
MBA Programs MBA Programs
Programme PhD Programme PhD
Executive Education Executive Education
HEC Online HEC Online
A propos d'HEC
En bref En bref
Qui sommes-nous ? Qui sommes-nous ?
Egalité des chances Egalité des chances
HEC Talents HEC Talents
International International
Vie du campus Vie du campus
Sustainability Sustainability
Diversité et inclusion Diversité et inclusion
Stories Stories
Fondation HEC Fondation HEC
Summer School
Youth programs Youth programs
Summer programs Summer programs
Online Programs Online Programs
Faculté et Recherche
À propos À propos
Corps professoral Corps professoral
Départements Départements
Centres Centres
Chaires Chaires
Financements Financements
Knowledge@HEC Knowledge@HEC
Grande Ecole
& Masters
Grande Ecole
Master in Management
Grande Ecole
Master in Management
Programmes
Masters
Programmes
Masters
Doubles
Diplômes
Doubles
Diplômes
Programmes
Bachelor
Programmes
Bachelor
Programmes
Summer
Programmes
Summer
Exchange
students
Exchange
students
Vie
Etudiante
Vie
Etudiante
Notre
différence
Notre
différence
Bachelor Programs
Vue d'ensemble Vue d'ensemble
Course content Course content
Admissions Admissions
Fees and Financing Fees and Financing
MBA Programs
MBA MBA
Executive MBA Executive MBA
TRIUM EMBA TRIUM EMBA
Programme PhD
Overview Overview
HEC Difference HEC Difference
Program details Program details
Research areas Research areas
HEC Community HEC Community
Placement Placement
Job Market Job Market
Admissions Admissions
Financing Financing
FAQ FAQ
Executive Education
Accueil Accueil
Qui sommes-nous ? Qui sommes-nous ?
Univers de formation Univers de formation
Programmes Programmes
Offres entreprises Offres entreprises
Événements/Actualités Événements/Actualités
Contacts Contacts
HEC Online
En bref En bref
Programme diplômant Programme diplômant
Certificats Executive Certificats Executive
MOOCs MOOCs
Summer Programs Summer Programs
Youth programs Youth programs
Faculté et Recherche

Digital Lending and Financial Well-Being: Through the Lens of Mobile Phone Data

08 mar
2024
14H00
Jouy-en-Josas

Participer

Ajouter au calendrier
2024-03-08T14:00:00 2024-03-08T15:30:00 Digital Lending and Financial Well-Being: Through the Lens of Mobile Phone Data Accounting and Management Control Speaker: Omri Even-Tov (Berkeley Hass University) HEC Campus Room T004   Jouy-en-Josas

Département Comptabilité-Contrôle de Gestion

Invité : Omri Even-Tov (Berkeley Hass University)

HEC Campus Salle T004

 

Abstract :

To mitigate information asymmetry about borrowers in developing economies, digital lenders utilize machine-learning algorithms and nontraditional data from borrowers’ mobile devices. Consequently, digital lenders have managed to expand access to credit for millions of individuals lacking a prior credit history. However, short-term, high-interest digital loans have raised concerns about predatory lending practices. To examine how digital credit influences borrowers’ financial well-being, we use proprietary data from a digital lender in Kenya that randomly approves loan applications that would have otherwise been rejected based on the borrower’s credit profile. We find that access to digital credit improves borrowers’ financial well-being across various mobile-phone-based well-being measures, including monetary transaction volume, mobility, and social networks, as well as borrowers’ self-reported income and employment. We further show that this positive impact is more pronounced when borrowers have limited access to credit, take loans for business purposes, and obtain more credit.

 

Participer

Ajouter au calendrier
2024-03-08T14:00:00 2024-03-08T15:30:00 Digital Lending and Financial Well-Being: Through the Lens of Mobile Phone Data Accounting and Management Control Speaker: Omri Even-Tov (Berkeley Hass University) HEC Campus Room T004   Jouy-en-Josas