Replication data for: Credit Market Consequences of Improved Personal Identification: Field Experimental Evidence from Malawi

Jessica Goldberg, Dean Yang & Xavier Giné
We implemented a randomized field experiment in Malawi examining borrower responses to being fingerprinted when applying for loans. This intervention improved the lender's ability to implement dynamic repayment incentives, allowing it to withhold future loans from past defaulters while rewarding good borrowers with better loan terms. As predicted by a simple model, fingerprinting led to substantially higher repayment rates for borrowers with the highest ex ante default risk, but had no effect for the rest...
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