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.
Information Sharing and SMME Financing in South Africa: A Survey of the Landscape
This report focuses on the current state of credit access for small, medium, and micro-enterprises in South Africa. In particular, it examines barriers to credit access and viable near-term solutions to reduce or eliminate those barriers.
Recovering But Not Recovered: Gulf Coast Businesses Three Years Later
This is a follow-up to the 2007 small business survey and provides further insight as to the progress of recovery from the hurricanes of 2005. As with the 2007 survey, this year’s survey asked small business owners and operators about the changing state of their business since the 2005 hurricanes, and since August of 2007.
Financial Impacts of Disaster: What We Can Learn from Credit File Data
This report sheds additional light on the impact and aftermath of Hurricane Katrina and the storms of 2005 on individuals, businesses, and communities of the Gulf Coast, using datasets previously not used for such purposes.
Recovery, Renewal, and Resiliency: Gulf Coast Small Businesses Two Years Later
The first PERC survey of small businesses in New Orleans and other FEMA-declared disaster areas in the wake of the 2005 hurricanes finds disparate impacts among different segments of business owners. The results also yield insights into the efficacy of existing recovery policy, and identify policy shortcomings and unmet needs.
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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 Jaki Bradley at bradley@perc.net.
PERC's areas of expertise include:
Information-led DevelopmentPERC is a global leader in information-led development, the use of robust sets of information to enable economic development and asset building on a massive scale. See the project page for more information.
Alternative Data
Since 2003, PERC scholars have lectured policy makers on six continents -- from the World Bank to the United States Congress -- on the use of non-financial payment information, such as energy utility and rental payments, for credit scoring and asset building, also known as alternative data. For more information on this signature issue, please see the project page.
Financial Impacts of Disaster
PERC has pioneered the use of credit file and other data sets to track the economic effects of natural disasters and other exogenous shocks, as well as evaluating recovery efforts. Most recently, PERC examined economic recovery in the Gulf Coast after the 2005 hurriances.
Consumer Credit Access in the United States
Dataflows and Global Development
Projects in this category consider the interplay between technological and educational endowments, regulatory regimes, and economic development. Projects in this category have examined the relationship between a variety of factors—from cross-border data flows to credit reporting systems—and how these factors affect developing and developed world economic performance.
Data SecurityWorldwide Sourcing
These activities are focused on the phenomenon of worldwide sourcing (better known as offshore outsourcing) and examining its economic impact domestically and abroad. PERC places particular emphasis on how cross-border data flows, data security practices, and legal frameworks for data protection may affect worldwide sourcing patterns.
Media Concentration and Convergence
Data Privacy
Media comment or questions?
All inquiries should be directed to:
Jaki Bradley
Special Projects Manager
+1 919 338 2798 x 803
bradley@perc.net
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