Recent work by Giorgia Barboni
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The impacts of flexible repayment schedules: Evidence from borrowers and lenders in India
Offering loans with flexible repayment schedules can improve outcomes for vulnerable borrowers while also reducing the risks faced by lending institutions
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How can behavioural messaging campaigns be tailored to reduce loan delinquency?
Text-based behavioural messaging can reduce delinquency, with the most effective messages either referencing social norms, or sent to individuals with higher socioeconomic status or higher credit scores