Extbase Variable Dump
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      udy whether banks can use this information to automate credit decisions. In 
      the wake of a randomised controlled trial, a bank in Africa introduced an au
      tomated credit decision-making process based on a credit scoring technology 
      at half of its branches, while the other half continued applying an extensiv
      e screening procedure as the basis for a loan officer's expert judgment. Res
      ults show that the quality of the loan portfolio in the treatment branches d
      id not decrease significantly, while only 6 percent more applications had to
       be rejected. An analysis of the costs and benefits of the credit scoring sy
      stem strongly suggests that the bank's cost of lending decreased substantial
      ly.' (839 chars)
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   short => protected'Randomisierte kontrollierte Studie (RCT)' (40 chars)
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Extbase Variable Dump
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         tomated credit decision-making process based on a credit scoring technology 
         at half of its branches, while the other half continued applying an extensiv
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Credit scoring vs. expert judgment – a randomised controlled trial | Rigorous Impact Evaluation - DEval.org
Rigorous Impact Evaluation (RIE) Completed

Credit scoring vs. expert judgment – a randomised controlled trial

Sector (OECD DAC Codes)
Banking & Financial Services
Involved Organisations
KfW Development Bank
University of St. Gallen
Bank in Africa
Country
Uganda
Funding
Other
Region
Sub-Saharan Africa
Global Project
No
Year (Time of endline survey or planned endline survey)
2015
Evaluation Method
Randomized controlled trial (RCT)

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