This report focuses on the current state of credit access for small, medium, and micro-enterprises in South Africa. In particular, it examines barriers to credit access and viable near-term solutions to reduce or eliminate those barriers.
Recovering But Not Recovered: Gulf Coast Businesses Three Years Later
This is a follow-up to the 2007 small business survey and provides further insight as to the progress of recovery from the hurricanes of 2005. As with the 2007 survey, this year’s survey asked small business owners and operators about the changing state of their business since the 2005 hurricanes, and since August of 2007.
Financial Impacts of Disaster: What We Can Learn from Credit File Data
This report sheds additional light on the impact and aftermath of Hurricane Katrina and the storms of 2005 on individuals, businesses, and communities of the Gulf Coast, using datasets previously not used for such purposes.
You Score You Win: The Consequences of Giving Credit Where Credit is Due
A follow-up to PERC’s ground-breaking report on alternative data, this study examines the long-term effects of using non-traditional data in credit files using quantitative analysis.
The Structure of Information Sharing and Credit Access: Lessons for Policy
This white-paper, produced for the Asia-Pacific Credit Coalition, outlines recent developments in the economic impact of information sharing in consumer credit markets.
Recovery, Renewal, and Resiliency: Gulf Coast Small Businesses Two Years Later
The first PERC survey of small businesses in New Orleans and other FEMA-declared disaster areas in the wake of the 2005 hurricanes finds disparate impacts among different segments of business owners. The results also yield insights into the efficacy of existing recovery policy, and identify policy shortcomings and unmet needs.
The Impact of Provider- Identifiable Data on Healthcare Quality and Cost
This study examines the uses of provider-identifiable data within the US healthcare system with particular emphasis on the impact of the commercial use of this data on the market for prescription drugs. Impacts on market structure, the operation of the market, and other non-economic variables are also addressed. Additionally, the study explores the role of these data in regulatory compliance and public research.
On the Impact of Credit Payment Reporting on the Financial Sector and Overall Economic Performance in Japan
The study compares the fragmented Japanese consumer credit reporting regime with a hypothetical comprehensive one. Impacts of the varying regimes — each with different types and amounts of payment information available to creditors — upon access to credit and default rates, growth in lending to the private sector and overall economic growth are examined.
Give Credit Where Credit is Due: Increasing Access to Affordable Mainstream Credit Using Alternative Data
PERC’s landmark study on bringing the estimated 35 to 54 million Americans outside the mainstream credit system into the credit fold, Give Credit Where Credit Is Due offers feasible market solutions involving “alternative” or non-traditional payment data, such as payment obligations such as rent, gas, electric, insurance, and other recurring obligations, to evaluate the risk profile of a potential borrower.