{
  "id": 8088,
  "url": "https://doi.org/10.1257/aer.20120942",
  "title": "Cultural Proximity and Loan Outcomes",
  "summary": "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",
  "authors": "Raymond Fisman, Daniel Paravisini, Vikrant Vig",
  "category": "research",
  "topics": "regulation",
  "orgs": null,
  "regions": "india",
  "published_at": "2017-02-01T00:00:00.000Z",
  "fetched_at": "2026-07-14T16:33:34.083Z",
  "source_slug": "openalex",
  "source_name": "OpenAlex",
  "source_homepage": "https://openalex.org",
  "ethics_ai_record_url": "https://ethics.ai/record/8088",
  "original_url": "https://doi.org/10.1257/aer.20120942",
  "evidence_status": "source-only",
  "attribution": "via ethics.ai"
}