Economics, Econometrics and Finance
2 years ago

Private credit bureaus threaten traditional loan officers in West Africa.

Africa
Credible risk: private credit bureaus and the work of loan officers in West Africa
Vanessa Watters Opalo

Paper Summary

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A private credit bureau in West Africa is using new technology to assess borrowers' creditworthiness, but loan officers at credit cooperatives rely on personal relationships to determine risk. The study shows that loan officers and credit bureaus have different ways of understanding financial risk, with loan officers playing a crucial role in managing borrower debt in Togo.