This report examines the continuing impact of Hurricane Katrina and other disasters on small businesses and the self-employed in Louisiana. Primary to this research was an examination of the impacts of aid received from the Community Development Organizations (CDOs) funded in part by the Louisiana Disaster Recovery Foundation (LDRF) as well as aid received from other sources. It also examines the extent of existing unmet needs of small businesses in Louisiana. For this research PERC surveyed over 1,600 small business operators and analyzed data from tens of thousands of Experian small business credit files.
Assessment of Small Business Aid and Needs in Louisiana Five Years After Hurricane Katrina: Overview of Case Studies
This report examines five cases of small businesses and the self-employed that received small business aid from an LDRF funded Community Development Organization (CDO).
The Consequences of Prohibiting Credit Inquiry Data in Chilean Credit Files
This paper assesses the consequences of proposed Chilean legislation to prohibit the sharing of credit inquiry data.
NCLC Supports the “3 Ps” of Lending: Pawn Shops, Predatory Lenders and Pay Day Lenders
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
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.
Roadmap to Reform: Lessons from around the world to guide consumer credit reporting reform in Australia
PERC’s Roadmap to Reform details the benefits of comprehensive credit reporting, as well as detailing transitional challenges of switching to a full-file system.
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.
You Score You Win: The Consequences of Giving Credit Where Credit is Due
A follow-up to PERC’s ground-breaking report on alternative data, this study examines the long-term effects of using non-traditional data in credit files using quantitative analysis.
The Structure of Information Sharing and Credit Access: Lessons for Policy
This white-paper, produced for the Asia-Pacific Credit Coalition, outlines recent developments in the economic impact of information sharing in consumer credit markets.