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City Cambridge / Natal / / Company Rai / Grameen Bank / Opportunity Finance South Africa / Opportunity International / Opportunity Finance / / Country South Africa / / Currency ZAR / USD / / / Event Debt Financing / FDA Phase / / Facility Dartmouth College / Hebrew University / Yale University / / IndustryTerm consumer lender / ex-ante approval / search costs / crop insurance / mutual insurance / microfinance network / ex-ante approval incentive / enforcement technology / / Organization M.I.T / London School of Economics / Hebrew University / Dartmouth College / Yale University / Kauffman Foundation / The Bill and Melinda Gates Foundation / / Person Jonathan Zinman∗ April / Luke Crowley / Jon de Quidt / Dean Karlan / Manfred Kuhn / Gharad Bryan / / Position Model to Data Our analysis focuses / dean / / Product US5 / US12 / / ProvinceOrState Kwazulu Natal / / Region South Africa / / Technology enforcement technology / / SocialTag