Research and Applications

PERC is a non-profit organization dedicated to finding Information Solutions for Development Challenges worldwide. Going beyond the standard think tank model of solely carrying out research and producing reports, our staff develops real-world applications and works with policy makers at all levels to bring about the change we seek.

Find out more: About PERC

Serving the Missing Middle

PERC's mission is to serve the Missing Middle, the almost 4 billion people above the global poverty line who do not have access to affordable mainstream credit, by utilizing a new type of economic development: information-led development.

Find out more: Information-Led Development, Who are the missing middle?

Overcoming the Catch-22

Up to 70 million Americans are excluded from the financial mainstream because of the Credit Catch-22: you need to have a history of debt to get credit. PERC's Alternative Data Initiative has already helped many Americans overcome this Catch-22 and access affordable mainstream credit.

Find out more: Alternative Data Initiative

Smart Disaster Recovery

PERC has developed metrics for the Louisiana Recovery Agency and the World Bank to track small business recovery from natural disasters.

Find out more: Gulf Coast Economic Renewal

Donate to PERC

You can help support PERC's mission of global asset building by donating via Paypal. PERC is a 501(c)3 non-profit organization incorporated in the state of North Carolina. All donations are tax deductible.

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Economic Impact Analysis

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PERC researchers have carried out a variety of economic impact analyses, including examining the impacts on all levels of analysis from individual to the macro-economy.

Specific expertise has been developed in understanding the social and economic impacts resulting from data expansions (e.g. the impact on national economies, consumers, and lenders when changing national credit reporting regimes) and data restrictions (the impact upon the national health care system from prohibitions on the commercial use of prescriber identifiable data).

PERC's ground breaking study on alternative data, Give Credit Where Credit Is Due , used advanced analytical tools to calculate the effects on consumers and lenders of including alternative data in credit files.

PERC's research routinely involves the manipulation, cleaning, merging and analysis of large and complex data sets, consisting of millions of observations.

PERC's impact analysis usually goes beyond basic estimates of economic outcomes and includes detailed breakdown of findings and segmentation analysis (socio-economic impact analysis).

Asia-Pacific Credit Coalition

APCC is a PERC-managed coalition committed to promoting a regional standard for full-file, comprehensive consumer credit reporting to private credit bureaus within the 21 Asia-Pacific Economic Cooperation (APEC) member economies. Please visit PERC's coalition for credit standards in the APEC region, the Asia-Pacific Credit Coalition