NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

Referrals: Peer Screening and Enforcement in a Consumer Credit Field Experiment

Gharad T. Bryan, Dean Karlan, Jonathan Zinman

NBER Working Paper No. 17883
Issued in March 2012, Revised in May 2013

---- Acknowledgements ----

Previously circulated as "You Can Pick Your Friends, But You Need to Watch Them: Loan Screening and Enforcement in a Referrals Field Experiment." The authors would like to thank Manfred Kuhn and the employees of Opportunity Finance, Luke Crowley, Jon de Quidt and seminar participants at Yale, NEUDC,Warwick, Hebrew University, Stanford GSB, Wharton, The NBER summer institute and The Cambridge conference on consumer credit and bankruptcy. We would also like to thank The Bill and Melinda Gates Foundation for funding. This paper formed the third chapter of Gharad Bryan's dissertation - he would like to thank The Kauffman Foundation for financial support. All errors are, of course, our own. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research.

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