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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 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.


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.

New to Credit from Alternative Data

New to Credit from Alternative Data
March 2009
New to Credit from Alternative Data

The report offers a broad overview of PERC research on alternative data, specifically focusing on the new to credit consumer population and how their ability to obtain credit is increased through the reporting of alternative data.

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

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