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People Fixing The World

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Discover the people and the projects trying to make the world a better place

Discover the people and the projects trying to make the world a better place.

Discover the people and the projects trying to make the world a better place.

A weekly programme looking at common challenges around the world and the creative ways people are trying to tackle them.

Presenter Myra Anubi speaks to reporters, experts and innovators to investigate how effective different solutions are, share their successes and inspire listeners with what is possible.

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People Fixing The World: Personality tests for loans

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Personality tests for loans

16/06/2020 GMT

BBC World Service - People Fixing The World, Personality tests for loans

How an online test and a phone might be able to help some people with their finances.

How an online test and a mobile phone might be able to help some families and small businesses organise their money.

A short online test that reveals attitudes, opinions and thought processes is being used to help decide whether to give people loans.
 
The idea is to use psychometric tests to give people with little or no credit history a better chance of getting support and investment.
 
New ways of providing financial services are needed because 1.7 billion people have no access to any kind of formal banking facilities, according to the World Bank. Known as the unbanked, they deal only in cash. This can make it harder to reduce poverty, save money or invest for the future.
 
Cheap mobile phones and good network coverage in Nigeria are also transforming the lives of people who previously only dealt in cash.
 
Presented and produced by Anisa Subedar
 
Picture credit: Getty Images

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