Cultural Proximity and Loan Outcomes
We present evidence that cultural proximity (shared codes, beliefs, ethnicity) between lenders and borrowers increases the quantity of credit and reduces default. We identify in-group lending using dyadic data on religion and caste for officers and borrowers from an Indian bank, and a rotation policy that induces exogenous matching between them. Having an in-group officer increases credit access and loan size dispersion, reduces collateral requirements, and induces better repayment even after th
Record details
Published: 1 February 2017
Source: OpenAlex
Category: Research
Topics: Regulation
Retrieved: 14 July 2026
Related evidence
These records share source-supplied organisations, an exact publisher byline, automatic topics or regions. The reason is shown on every link; related does not mean supporting, agreeing with or verifying this record.
A federated architecture for sector-led AI governance: lessons from India
arXiv · 27 March 2026
A Proposed Biomedical Data Policy Framework to Reduce Fragmentation, Improve Quality, and Incentivize Sharing in Indian Healthcare in the era of Artificial Intelligence and Digital Health
arXiv · 13 April 2026
The intersectional impact of internet access on female income in India
Telecommunications Policy · 25 July 2026
What the UK government should do on AI and tech policy
Chatham House · 13 July 2026
UK regulates Microsoft, Google, Amazon in finance sector; India sticks to indirect oversight
MediaNama (IN) · 13 July 2026
MediaNama is hiring Tech Journalist
MediaNama (IN) · 14 July 2026
How to cite this record
ethics.ai (1 February 2017), “Cultural Proximity and Loan Outcomes,” evidence record 8088, https://ethics.ai/record/8088 (originally published by OpenAlex).
Use and limitations
This page is a stable index and citation surface for a source record. ethics.ai did not author the underlying report and has not independently verified every claim. Automatic topics may be imperfect. For consequential use, quote and cite the original publisher.