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

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Reference ID

ETH_2018-2021_WEDP-IE_v01_M

DOI

https://doi.org/10.48529/te4j-av44

Producer(s)

Salman Alibhai, Rachel Cassidy, Markus Goldstein, Sreelakshmi Papineni

Collection(s)

Impact Evaluation Surveys Fragility, Conflict and Violence

Metadata

Documentation in PDF DDI/XML JSON

Created on

Mar 16, 2023

Last modified

Mar 16, 2023

Page views

16745

Downloads

633

Identification

Survey ID number

ETH_2018-2021_WEDP-IE_v01_M

Title

Psychometric Credit Scoring as an Alternative to Collateral for Women Entrepreneurs in Ethiopia - Baseline and Endline Surveys 2021

Subtitle

Randomized Controlled Trial Impact Evaluation

Country/Economy

Name	Country code
Ethiopia	ETH

Study type

Enterprise Survey [en/oth]

Abstract

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.

Unit of Analysis

Firms, Individuals

Version

Version Description

Scope

Notes

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

Geographic 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

Primary investigators

Name	Affiliation
Salman Alibhai	World Bank Group
Rachel Cassidy	World Bank Group
Markus Goldstein	World Bank Group
Sreelakshmi Papineni	World Bank Group

Sampling

Sampling Procedure

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%).

Response Rate

The response rate was 88 percent at endline

Weighting

None

Data collection

Dates of Data Collection

Start	End	Cycle
2018-04-01	2020-03-30	Baseline
2021-09-01	2021-10-30	Endline

Mode of data collection

Computer Assisted Personal Interview [capi]

Data Collection Notes

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

Depositor

Name
World Bank

Data Access

Citation requirements

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

Disclaimer

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 Document ID

DDI_ETH_2018-2021_WEDP-IE_v01_M_WB

Producers

Name	Affiliation	Role
Development Data Group	World Bank	Documentation of the study

Date of Metadata Production

2023-02-03

Metadata version

DDI Document version

Version 01 (2023-02-03)

Citation

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Psychometric Credit Scoring as an Alternative to Collateral for Women Entrepreneurs in Ethiopia - Baseline and Endline Surveys 2021 Randomized Controlled Trial Impact Evaluation