Financial inclusion

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Loan Decisions and Outcomes in a Field Experiment on Credit Access

Creators: Gharad Bryan, London School of Economics; Dean Karlan, Northwestern University; Adam Osman, University of Illinois
Publication Date: 2024-05-24
Creators: Gharad Bryan, London School of Economics; Dean Karlan, Northwestern University; Adam Osman, University of Illinois

This dataset collection originates from a randomized field experiment studying loan access and repayment outcomes. It includes borrower-level survey data from multiple rounds (baseline, midline, and endline), treatment assignments, loan performance records, and a loan officer survey. The variables cover firm revenues, borrowing history, employment, predicted repayment outcomes, and treatment status. The datasets enable research on how credit access, predictive tools, and human decision-making interact in small business lending.

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