论文标题
即时贷款可以提高主观福祉：尼日利亚数字信贷的随机评估
Instant Loans Can Lift Subjective Well-Being: A Randomized Evaluation of Digital Credit in Nigeria
论文作者
论文摘要
数字贷款在低收入国家和中等收入国家的流行爆发，通过手机提供了短期的高利息信用。本文报告了对尼日利亚数字贷款产品的随机评估结果。在平均三个月后，被随机批准的数字信贷（不论信用评分如何）大大增加了主观福祉。对于那些被批准的人，随机提供较大的贷款具有微不足道的影响。两种治疗都不会对其他福利的措施产生重大影响。我们排除了积极或负面影响的巨大短期影响：对收入和支出，韧性和妇女的经济赋权。
Digital loans have exploded in popularity across low and middle income countries, providing short term, high interest credit via mobile phones. This paper reports the results of a randomized evaluation of a digital loan product in Nigeria. Being randomly approved for digital credit (irrespective of credit score) substantially increases subjective well-being after an average of three months. For those who are approved, being randomly offered larger loans has an insignificant effect. Neither treatment significantly impacts other measures of welfare. We rule out large short-term impacts either positive or negative: on income and expenditures, resilience, and women's economic empowerment.
