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Online-Offline Collaboration on CDR/Psychometric Microloans

Iris Braun of IFMR LEAD in India will expand access to microloans for the poor in Bangladesh by piloting a simple credit-scoring test for rating individuals. Poor households are often in need of small, short-term loans to buffer fluctuations in income, but formally accessing these loans is problematic as most people have no credit score, and/or are unable to complete the application process. Their approach involves assessing customers by accessing their mobile customer data, such as top-up frequency, and by psychological testing, as well as performing a social survey to analyze local financial needs. The scores can then be passed to mobile money lenders to give them more confidence to lend to poorer households.

More information about Explore New Ways to Measure Delivery and Use of Digital Financial Services Data (Round 16)

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The Bill & Melinda Gates Foundation is part of the Grand Challenges partnership network. Visit grandchallenges.org to view the map of awarded grants across this network and grant opportunities from partners.