Psychometric Credit Scoring as an Alternative to Collateral for Women Entrepreneurs in Ethiopia - Baseline and Endline Surveys 2021
Randomized Controlled Trial Impact Evaluation
Ethiopia, 2018 - 2021
Get MicrodataIdentification
ETH_2018-2021_WEDP-IE_v01_M
Psychometric Credit Scoring as an Alternative to Collateral for Women Entrepreneurs in Ethiopia - Baseline and Endline Surveys 2021
Randomized Controlled Trial Impact Evaluation
| Name | Country code |
|---|---|
| Ethiopia | ETH |
Enterprise Survey [en/oth]
This data was collected for a randomized controlled trial evaluating the impact of offering a large, individual-liability, uncollateralized microfinance loan to female business owners in Ethiopia, using psychometric credit scoring technology as a substitute for fixed-asset collateral requirements. This study partnered with the Ethiopian MFI Wasasa to trial a psychometric loan appraisal technology that predicts repayment likelihood. A total of 357 women completed the psychometric test and baseline survey between April 2018-March 2020 and 324 (of the 357) women completed the endline survey in September 2021.
Firms, Individuals
Version
This data was collected for a randomized controlled trial evaluating the impact of offering a large, individual-liability, uncollateralized microfinance loan to female business owners in Ethiopia, using psychometric credit scoring technology as a substitute for fixed-asset collateral requirements. This study partnered with the Ethiopian MFI Wasasa to trial a psychometric loan appraisal technology that predicts repayment likelihood. A total of 357 women completed the psychometric test and baseline survey between April 2018-March 2020 and 324 (of the 357) women completed the endline survey in September 2021.
Scope
The scope of the survey includes the following themes:
Demographics
General information
Personal Information
Decision making
Employment
Revenues and expenditures
Finance
Access to Finance
Business Information
Business performance
Constraints
Main business
Secondary business
Other business
Psychometrics
COVID
Gender
Entrepreneurship
Firms
Credit
Coverage
The study sample is comprised of individuals who at the time of the baseline survey lived or worked in the cities of Adama (92%) or Asela (8%) in Ethiopia.
Producers and sponsors
| Name | Affiliation |
|---|---|
| Salman Alibhai | World Bank Group |
| Rachel Cassidy | World Bank Group |
| Markus Goldstein | World Bank Group |
| Sreelakshmi Papineni | World Bank Group |
Sampling
The study sample consists of 357 WEDP entrepreneurs who presented themselves at Wasasa branches in the cities of Adama and Assela between April 2018 to March 2020 and decided to apply for an uncollateralized loan. The baseline data collection was thus done on a rolling basis, as and when prospective borrowers came to the MFI branches. The psychometric test and a short additional baseline survey were administered on tablets by MFI loan officers working at the Wasasa branch.
An endline survey was conducted face-to-face in September 2021, targeting the full baseline sample of 357 entrepreneurs. Of these, 324 completed the endline survey (participation rate 88%).
The response rate was 88 percent at endline
None
Data collection
| Start | End | Cycle |
|---|---|---|
| 2018-04-01 | 2020-03-30 | Baseline |
| 2021-09-01 | 2021-10-30 | Endline |
- Computer Assisted Personal Interview [capi]
Baseline data was collected from respondents using self-reported entry into a tablet at the MFI branch. Endline survey data was collected face-to-face through enumerators at the respondent’s place of business or home. Survey responses were recorded on a tablet using SurveyCTO. The survey was also translated from English to Amharic. The questionnaires are available for download.
Depositor information
| Name |
|---|
| World Bank |
Data Access
Use of the dataset must be acknowledged using a citation which would include:
- the Identification of the Primary Investigator
- the title of the survey (including country, acronym and year of implementation)
- the survey reference number
- the source and date of download
Example:
Salman Alibhai (World Bank Group), Rachel Cassidy (World Bank Group), Markus Goldstein (World Bank Group), Sreelakshmi Papineni (World Bank Group). Ethiopia - Psychometric Credit Scoring as an Alternative to Collateral for Women Entrepreneurs in Ethiopia - Baseline and Endline Surveys 2021, Randomized Controlled Trial Impact Evaluation (WEDP ETH 2021). Ref: ETH_2018-2021_WEDP-IE_v01_M. Downloaded from [uri] on [date].
Disclaimer and copyrights
The user of the data acknowledges that the original collector of the data, the authorized distributor of the data, and the relevant funding agency bear no responsibility for use of the data or for interpretations or inferences based upon such uses.
Metadata production
DDI_ETH_2018-2021_WEDP-IE_v01_M_WB
| Name | Affiliation | Role |
|---|---|---|
| Development Data Group | World Bank | Documentation of the study |
2023-02-03
Metadata version
Version 01 (2023-02-03)