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Expanding Credit Access: Using Randomized Supply Decisions to Estimate the Impacts

Dean Karlan and Jonathan Zinman.

in The Review of Financial Studies

January 2010; p ublished online November 2009 .

Journal Article. Subjects: Household Behaviour and Family Economics; Banking; Welfare and Poverty. 14711 words.

Expanding access to commercial credit is a key ingredient of financial development strategies. There is less consensus on whether expanding access to consumer credit helps borrowers,...