{"doc_desc":{"title":"ETH_2018-2021_WEDP-IE_v01_M","idno":"DDI_ETH_2018-2021_WEDP-IE_v01_M_WB","producers":[{"name":"Development Data Group","abbreviation":"DECDG","affiliation":"World Bank","role":"Documentation of the study"}],"prod_date":"2023-02-03","version_statement":{"version":"Version 01 (2023-02-03)"}},"study_desc":{"title_statement":{"idno":"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","sub_title":"Randomized Controlled Trial Impact Evaluation","alt_title":"WEDP ETH 2021"},"authoring_entity":[{"name":"Salman Alibhai","affiliation":"World Bank Group"},{"name":"Rachel Cassidy","affiliation":"World Bank Group"},{"name":"Markus Goldstein","affiliation":"World Bank Group"},{"name":"Sreelakshmi Papineni","affiliation":"World Bank Group"}],"distribution_statement":{"depositor":[{"name":"World Bank","abbreviation":"","affiliation":""}]},"series_statement":{"series_name":"Enterprise Survey [en\/oth]"},"version_statement":{"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."},"study_info":{"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.","coll_dates":[{"start":"2018-04-01","end":"2020-03-30","cycle":"Baseline"},{"start":"2021-09-01","end":"2021-10-30","cycle":"Endline"}],"nation":[{"name":"Ethiopia","abbreviation":"ETH"}],"geog_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.","analysis_unit":"Firms, Individuals","notes":"The scope of the survey includes the following themes:\nDemographics\nGeneral information\nPersonal Information\nDecision making\nEmployment\nRevenues and expenditures\nFinance\nAccess to Finance\nBusiness Information\nBusiness performance\nConstraints\nMain business\nSecondary business\nOther business\nPsychometrics\nCOVID\nGender\nEntrepreneurship\nFirms\nCredit"},"method":{"data_collection":{"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. \n\nAn 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%).","coll_mode":["Computer Assisted Personal Interview [capi]"],"coll_situation":"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\u2019s 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.","weight":"None"},"analysis_info":{"response_rate":"The response rate was 88 percent at endline"}},"data_access":{"dataset_use":{"conf_dec":[{"txt":"","required":"","form_no":"","uri":""}],"cit_req":"Use of the dataset must be acknowledged using a citation which would include: \n - the Identification of the Primary Investigator\n - the title of the survey (including country, acronym and year of implementation)\n - the survey reference number\n - the source and date of download\n\n Example:\n 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":"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."}}},"schematype":"survey","tags":[{"tag":"DOI"}]}