即时贷款可以提升主观幸福感：对尼日利亚数字信贷的随机评估
Instant Loans Can Lift Subjective Well-Being: A Randomized Evaluation of Digital Credit in Nigeria
摘要：
数字贷款在低收入和中等收入国家的普及率呈爆炸式增长，通过手机提供短期，高利率的信贷。本文报告了对尼日利亚数字贷款产品进行随机评估的结果。被随机批准的数字信贷（无论信用评分如何）在平均三个月后大大增加了主观幸福感。对于那些被批准的人来说，被随机提供更大的贷款有一个微不足道的影响。这两种待遇都不会对其他福利措施产生重大影响。我们排除了大的短期影响，无论是正面的还是负面的：对收入和支出，弹性和妇女的经济赋权。
英文摘要：
Digital loans have exploded in popularity across low and middle income countries, providing short term, high interest credit via mobile phones. This paper reports the results of a randomized evaluation of a digital loan product in Nigeria. Being randomly approved for digital credit (irrespective of credit score) substantially increases subjective well-being after an average of three months. For those who are approved, being randomly offered larger loans has an insignificant effect. Neither treatment significantly impacts other measures of welfare. We rule out large short-term impacts either positive or negative: on income and expenditures, resilience, and women's economic empowerment.
机构、总结、中文摘要均由AI分析而来，可能存在错误，请以论文正文为准。
