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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Public Policy Research

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Since 2002, PERC has released dozens of quantitative policy studies that have had real impacts on national, state, and international policy outcomes.

Most significantly, in 2003, PERC published a report quantifying the economic and social impacts of the 30 year-old FCRA national credit reporting regime. This report was the most cited document during the Congressional debate that resulted in the full adoption of all of PERC's policy prescriptions by Congress as embodied in the Fair and Accurate Credit Transactions Act (FACT Act).

PERC has worked for the South African government to produce a report to identify unused data sets that could be collected for small, medium, and micro-enterprise (SMME) risk-assessment and credit extension.

PERC’s research has assisted credit reporting reform in Brazil and Australia, and has aided policy advocates and reformers across Latin America.

PERC has conducted quantitative research on the impact of proposed changes to regulations covering the credit industry at the request of the Federal Reserve Board.

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