Optimizing Network Referrals to Identify and Recruit Creditworthy Entrepreneurs

Research Note
Published on 27 February 2017


Microfinance lenders make limited credit offers because of operational challenges of extensive screening and selection process. We study if optimizing a referral protocol can be used to recruit good entrepreneurs and thus increase access to credit.


Arun Chandrasekhar

Stanford University

Emily Breza

Harvard University

Mounu Prem (Francisco Muñoz)

Universidad del Rosario