Assess a borrower’s creditworthiness by employing psychometric tests that provide quantitative measures of the borrower’s personality/character

Project Details

Description

This project intends to explore a novel way to assess a borrower’s creditworthiness by employing psychometric tests that provide quantitative measures of the borrower’s personality/character. A specific focus is on microfinance and developing countries.

Funds are requested to conduct a pilot study in BancABC (South Africa) that will involve pre-testing of a short psychometric scale administered to applicants for overdraft facilities.

The results of the pilot will be reported in a paper submitted to Journal of Development Studies (3* ABS) and form the basis for an application to the ESRC Standard Grant scheme.

The project is distinguished by a unique combination of expertise. The applicant (Dr Andreeva) has an in-depth knowledge of credit risk assessment in retail and small business sectors. The field work will be conducted by Dean Caire (part-time PhD student supervised by Dr Andreeva), who has an extensive expertise in microfinance, having worked for 15 years as a consultant to banks and microfinance institutions in developing markets. Dean’s second supervisor is Dr Wendy Johnson (Reader, School of Psychology, UoE) who has thoroughly researched structures of intelligence and personality.
StatusFinished
Effective start/end date1/03/1331/10/13