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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 four 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

Helping Our Community

PERC is volunteering with the Durham Affordable Housing Coalition (DAHC) and area volunteers to develop applications and solutions to help the DAHC and other nonprofits better serve their missions, such as stemming the stream of foreclosures in the Durham, North Carolina.

Find out more: PERC Mortgage Foreclosure Prevention Center

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.


Latest Publications

NCLC Supports the “3 Ps” of Lending: Pawn Shops, Predatory Lenders and Pay Day Lenders

NCLC Supports the “3 Ps” of Lending: Pawn Shops, Predatory Lenders and Pay Day Lenders
November 2009

Credit Access

Optimal Consumer Credit Bureau Market Structure in Singapore

Optimal Consumer Credit Bureau Market Structure in Singapore
May 2009

This paper examines the relationship between market structures and regulatory framework of the credit information sharing, and the performance of the financial sector.

Credit Reporting Customer Payment Data

Credit Reporting Customer Payment Data
April 2009
Credit Reporting Customer Payment Data

This study examines the impact and benefits that accrue to consumers, lenders, and utilities and telecommunications firms when telecoms and utilities report customer payment information to credit bureaus.

Upcoming Events

Feb 16-18, 2010 - Las Vegas, Nevada

PERC President Dr. Michael Turner will address the Telecommunications Risk Management Association (TRMA) at its 2010 winter conference. His presentation will focus on the costs, benefits, and social and economic impacts of full-file credit reporting. For more information or to register for the event, go to the TRMA website at www.trmanet.org.

Projects: ADI
Feb 23-24, 2010 - Nairobi, Kenya (Africa)

Dr. Michael Turner will present an update on the consumer credit information-sharing implementation process in East Africa to leaders of Kenya's financial services sector at the AITEC Banking & Mobile Money COMESA 2010 conference in Nairobi. For more information, visit http://www.aitecafrica.com.

Oct 13-15, 2010 - Mombasa, Kenya (Africa)

As part of PERC's mission to expand financial opportunity to individuals and small businesses worldwide, Dr. Michael Turner will speak to financial service providers from all over Africa regarding the value of comprehensive credit reporting at Compuscan Conference 2010 in Mombasa, Kenya. For more information, visit Compuscan's website at www.compuscan.co.za.

Projects: ADI

Got something to add?

PERC is working to build the best online resource for alternative data and information-led development on the Web. If you feel we missed any important resource, please e-mail Andrea Maron at maron@perc.net.

Support the Alternative Data Initiative!

Click here to view our ADI sign-on letter
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View a list of our ADI supporters

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Please visit PERC's coalition for credit standards in the APEC region, the Asia-Pacific Credit Coalition.

Media comment or questions?


All inquiries should be directed to:

Andrea Maron
Special Projects Manager
+1 919 338 2798 x 803
maron@perc.net

Want to talk to us?

p: +1-919-338-2798
f: +1 (919) 640-8881

For more information, e-mail Andrea Maron at maron@perc.net.