Credit Market Consequences of Improved Personal Identification: Field Experimental Evidence from Malawi

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Microcredit Under the Microscope: What Have We Learned in the Past Two Decades, and What Do We Need to Know? (2013, background): “Finally, Giné et al. (2012) report on a study in Malawi in which they randomized who gets fingerprinted before getting a loan, thereby making it more difficult to get a second loan if they default.”
Financial Inclusion - Issues for Central Banks (2015, background): “The absence of a verifiable track record may be especially prevalent where personal identification systems are weak (Giné et al (2012)).”
Facilitating Savings for Agriculture: Field Experimental Evidence from Malawi (2015, unknown): “…the generic encouragement to save for future agricultural input purchases but did not receive any facilitation of formal savings accounts and were 1 Giné, Goldberg, and Yang ð2012Þ find that imperfect personal identification leads to asymmetric information problems ðboth adverse selection and…”