Making access to credit more democratic: tools and practices between social innovation and old inequalities

Valentina Moiso ()
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Valentina Moiso: Ceris - Institute for Economic Research on Firms and Growth,Turin, Italy

CERIS Working Paper from CNR-IRCrES Research Institute on Sustainable Economic Growth - Torino (TO) ITALY - former Institute for Economic Research on Firms and Growth - Moncalieri (TO) ITALY

Abstract: The economic crisis highlights the problem of access to credit also from the point of view of families. The Italian banking industry has launched projects aimed at offering financial support to disadvantaged people, implementing new products for certain categories of customers normally excluded from credit due to the high risks involved. The information collected about each customer is an input in the decision-making process. Hence, it is crucial to investigate how it is selected, how it is (re)assembled, and how it is evaluated. Understanding how information about a customer is selected and processed helps us to identify what resources owned by households are translated into a positive score to access credit and into opportunities to enjoy additional goods and services, thus reconfiguring the trends of inclusion and exclusion within the financial system.

JEL-codes: D14 G1 I39 Z13 (search for similar items in EconPapers)
Pages: 17 pages Keywords : access to credit, risk evaluation, peer to peer lending, financial and social innovation
Date: 2014-12
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