IMF-移动互联网、抵押品和银行业务（英）-2024.3-69页

MobileInternet,Collateral,andBankingAngeloD’Andrea,PatrickHitayezu,KangniKpodar,NicolaLimodio,AndreaF.PresbiteroWP/24/70IMFWorkingPapersdescriberesearchinprogressbytheauthor(s)andarepublishedtoelicitcommentsandtoencouragedebate.TheviewsexpressedinIMFWorkingPapersarethoseoftheauthor(s)anddonotnecessarilyrepresenttheviewsoftheIMF,itsExecutiveBoard,orIMFmanagement.2024MAR©2024InternationalMonetaryFundWP/24/70IMFWorkingPaperRESMobileInternet,Collateral,andBankingPreparedbyAngeloD’Andrea,PatrickHitayezu,KangniKpodar,NicolaLimodio,AndreaF.PresbiteroAuthorizedfordistributionbyAqibAslamMarch2024IMFWorkingPapersdescriberesearchinprogressbytheauthor(s)andarepublishedtoelicitcommentsandtoencouragedebate.TheviewsexpressedinIMFWorkingPapersarethoseoftheauthor(s)anddonotnecessarilyrepresenttheviewsoftheIMF,itsExecutiveBoard,orIMFmanagement.ABSTRACT:Combiningadministrativedataoncredit,internetpenetrationandalandreforminRwanda,thispapershowsthatthecomplementaritybetweentechnologyandlawcanovercomefinancialfrictions.Leveragingquasi-experimentalvariationin3Gavailabilityfromlightningstrikesandincidentalcoverage,weshowthatmobileconnectivitysteersborrowersfrommicrofinancetocommercialbanksandimprovesloanterms.Theseeffectsarepartlyduetotheroleof3Ginternetinfacilitatingtheacquisitionoflandtitlesfromthereform,usedasacollateralforba...