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Finance / Mortgage / Asymmetric information / Market failure / Loans / Mortgage loan / Usury / Moral hazard / Microcredit / Economics / Financial economics / United States housing bubble


Observing Unobservables: Identifying Information Asymmetries with a Consumer Credit Field Experiment∗ Dean Karlan and Jonathan Zinman July 2007
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Document Date: 2008-11-24 11:59:04


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Rai / Grameen Bank / /

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United States / South Africa / India / /

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cash lenders / insurance markets / health insurance / insurance premiums / bank books / Loan applications / risk assessment technology / experimental protocols / food / /

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United States Agency for International Development / Micro Finance Regulatory Council / Federal Reserve Bank of New York / National Science Foundation / US Federal Reserve / USAID / Department of Trade and Industry South Africa / /

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Douglas Gale / Jonathan Zinman / Kurt Johnson / Abhijit Banerjee / Tomoko Harigaya / Jamie Stewart / Jeffrey Kling / Amy Finkelstein / Ted Miguel / Jeff Arnold / Karen Lyons / Andreas Lehnert / Marc Martos-Vila / Jamie McAndrews / Jonathan Morduch / Michael Carter / Alessandro Lizzeri / Stefan Klonner / Chris Udry / Pierre-Andre Chiappori / Jonathan Bauchet / Habiba Djebbari / Esther Duflo / Michel Robe / Lindsay Dratch / Rohini Pande / Costas Meghir / Joe Tracy / Dean Karlan / /

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loan officer / editor / officer / dean / branch manager / /

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South Africa / /

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risk assessment technology / ATM / experimental protocols / /

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