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Peer Referrals for Individual Liability Loans: Elevator Pitch

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Presentation on theme: "Peer Referrals for Individual Liability Loans: Elevator Pitch"— Presentation transcript:

1 Peer Referrals for Individual Liability Loans: Elevator Pitch
Excerpted from IPA/USHFI Financial Products Innovation Fund II Informational Webinar Jonathan Zinman Professor of Economics Dartmouth College Scientific Director, U.S. Household Finance Initiative

2 Small Dollar Credit Innovations: Peer Loan Referrals
Take known quantities; e.g., current borrowers Pay them bounties for referring peers who: Get approved Repay Proven impact in a subprime loan market in South Africa: huge reduction in delinquency among referred borrowers Experimental design reveals that peer monitoring/pressure to repay is the key mechanism [link to paper] Jonathan Zinman Alternative underwriting Employer data, social media, peer referrals, transaction data, etc. Contracting innovations Flexible repayment schedules, maturity sweet spot, dynamic pricing Monitoring innovations Referral bounties, peer support Behavioral selection More favorable terms for delayed disbursement, seamless borrowing to saving

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