LEADER 03824nam 2200601 a 450 001 9910437963703321 005 20200520144314.0 010 $a1-4614-7227-X 024 7 $a10.1007/978-1-4614-7227-8 035 $a(CKB)2670000000370504 035 $a(EBL)1317002 035 $a(SSID)ssj0000904221 035 $a(PQKBManifestationID)11495985 035 $a(PQKBTitleCode)TC0000904221 035 $a(PQKBWorkID)10922267 035 $a(PQKB)10849228 035 $a(DE-He213)978-1-4614-7227-8 035 $a(MiAaPQ)EBC1317002 035 $a(PPN)170488586 035 $a(EXLCZ)992670000000370504 100 $a20130327d2013 uy 0 101 0 $aeng 135 $aur|n|---||||| 181 $ctxt 182 $cc 183 $acr 200 10$aEnterprising psychometrics and poverty reduction /$fBailey Klinger, Asim Ijaz Khwaja, Carlos del Carpio 205 $a1st ed. 2013. 210 $aNew York $cSpringer$d2013 215 $a1 online resource (80 p.) 225 1 $aSpringerBriefs in psychology,$x2192-8363 225 0 $aSpringerBriefs in innovations in poverty reduction 300 $aDescription based upon print version of record. 311 $a1-4614-7226-1 320 $aIncludes bibliographical references. 327 $aInnovations in Poverty Reduction: An Introduction -- The Development Problem -- A Psychology-Enabled Solution to small and medium-sized enterprise finance -- Methodology -- Results and Discussions. 330 $aAs the deadline for the Millennium Development Goals draws near, one of the most critical--global poverty reduction--remains at best a work in progress. But as emerging markets beckon millions of aspiring business owners to set up shop, age-old barriers to funding prevent them from getting started. One answer lies in psychometrics, which  enables lenders to assess applicants' potential for success in developing their enterprises when traditional credit applications fall short.   Enterprising Psychometrics and Poverty Reduction sets out in accessible detail this innovative approach to risk evaluation, which uses methods similar to psychometric tools used in corporate hiring. The book evaluates this approach in six financial organizations in Kenya, Colombia, Peru, and South Africa, with extensive charts and tables breaking down each program's profitability and effectiveness. Especially by eliminating disparities that prevent women from accessing credit, this assistance fuels long-range economic growth and general well-being. This concise volume:  Explains the psychometric approach to credit and its methodologies. Identifies core characteristics shared by successful small business owners. Outlines a novel approach to credit scoring models for small businesses. Reviews the relevant literature on personality and personality testing. Features representative success stories. Discusses implications for implementing psychometric loan technologies in banks worldwide, and its potential relationship to training programs. Enterprising Psychometrics and Poverty Reduction offers message and methods to professionals and researchers in psychology, economics, development, and finance, especially those involved in global development, the psychology of poverty reduction, banking in emerging markets, and NGOs. 410 0$aSpringerBriefs in psychology. 606 $aBank loans 606 $aSmall business 615 0$aBank loans. 615 0$aSmall business. 676 $a150.15195 700 $aKlinger$b Bailey$0892276 701 $aKhwaja$b Asim Ijaz$01585462 701 $aCarpio$b Carlos del$01755419 801 0$bMiAaPQ 801 1$bMiAaPQ 801 2$bMiAaPQ 906 $aBOOK 912 $a9910437963703321 996 $aEnterprising psychometrics and poverty reduction$94192190 997 $aUNINA