collage of money, key, globe, worker, harvard collage of money, key, globe, worker, harvard
collage of money, key, globe, worker, harvard
collage of money, key, globe, worker, harvard collage of money, key, globe, worker, harvard

Suggested Readings

Note that while we found all of these papers useful in the development of our approach, some use debatable psychometric instruments and/or empirical methods.

General discussions of the barriers to SME finance & the ‘missing middle’

“Beyond Finance: getting capital to small and medium enterprises to fuel faster development” by David de Ferranti and Anthony J. Ody. Brookings Policy Brief #159. Available here:
http://www.brookings.edu/papers/2007/03development_de_ferranti.aspx

“Transatlantic innovations in affordable capital for small- and medium-sized enterprises” by Glenn Yago, Daniela Roveda and Jonathan White. German Marshall Fund of the United States & Milken Foundation. Available here:
http://www.technoserve.org/documents/TransatlanticInnovationsinAffordableCaptialforSmall-andMedium-SizedEnterprises.pdf

“Meso-finance: filling the gap for small businesses in developing countries” by Thierry Sanders and Carolien Wegener. NCDO position paper. Available here:
http://www.bidnetwork.org/download.php?id=40005

“Manufacturing firms in developing countries: how well they do, and why” by James Tybout. Journal of Economic Literature, March 2000, 38: 11-14. Available here:
http://www.jstor.org/pss/2565358

“Small and medium-sized enterprises: Access to finance as a growth constraint” by Thorsten Beck and Asli Demirguc-Kunt. Journal of Banking and Finance, 2006, 30: 2931-2943. Available here:
http://www.sciencedirect.com/science?_ob=ArticleURL&_udi=B6VCY-4K9C5BP-1&_user=10&_rdoc=1&_fmt=&_orig=search&_sort=d&view=c&_acct=C000050221&_version=1&_urlVersion=0&_userid=10&md5=bc35610c4e7ca9a980717e26eda04cca

Evidence of returns to expanded finance among SMEs

“Returns to capital in microenterprises: evidence from a field experiment” by Suresh de Mel, David McKenzie and Christopher Woodruff. Quarterly Journal of Economics, Nov. 2008 123(4): 1329-1372. Available here:
http://www.mitpressjournals.org/doi/abs/10.1162/qjec.2008.123.4.1329

 “Do firms want to borrow more? Testing credit constraints using a directed lending program” by Abhijit Banerjee and Esther Duflo. BREAD working paper, number 2003-005. Available here:
http://ideas.repec.org/p/cpr/ceprdp/4681.html

Some psychometric studies of developing country entrepreneurs

“Psychological approaches to entrepreneurial success: A general model and an
overview of findings” by Andreas Rauch and Michael Frese. 2000, international review of industrial and organizational psychology, 101-142. Available here:
http://ebme.uni-giessen.de/wps/pgn/dl/down/open/ebme_de/271daf304c577bf90e2e8125f42e9e01f9d9fd50f217fe2bd6861b3caafbdf326d9fc7e7eb8f4418d1ec33936ed074d2/Psychological_approaches_to_entrepreneurial_success.pdf

“Innovative firms or innovative owners? Determinants of innovation in micro,
small, and medium enterprises” by Suresh de Mel, David McKenzie and Christopher Woodruff. IZA discussion paper 3962. Available here:
http://ideas.repec.org/p/iza/izadps/dp3962.html

“What makes an entrepreneur?” By Simeon Djankov, Yingyi Qian, Gérard Roland and
Ekaterina Zhuravskaya. Available here:
http://www.doingbusiness.org/documents/What_Makes_an_Entrepreneur.pdf

“Psychological success factors of small and micro business owners in southern Africa: a longitudinal approach” by Stefanie Krauss. Available from the author upon request.

“The big 5 and venture survival: is there a linkage?” by Mark Ciavarella, Ann Buchholtzb, Christine Riordan, Robert Gatewood, and Garnett Stokes. 2003, Journal of business venturing 19: 465-483. Available here:
http://ideas.repec.org/a/eee/jbvent/v19y2004i4p465-483.html

“What determines entrepreneurial success? A psychometric study of rural entrepreneurs in India” by Viral Acharya, Abhilasha Rajan and Antoinette Schoar. Available from the IFMR here:
http://www.ifmr.ac.in/pdf/drishtee.pdf

“Let's put the person back into entrepreneurship research: A meta-analysis on the relationship between business owners' personality traits, business creation, and success” by Andreas Rauch and Michael Frese. October 2007. European Journal of Work and Organizational Psychology 16(4): 353 – 385. Available here:
http://www.informaworld.com/smpp/content~content=a782992689~db=all~order=page

“Who are the microenterprise owners?” by Suresh de Mel, David McKenzie and Christopher Woodruff. World Bank policy research working paper 4635. Available here:
http://ideas.repec.org/p/wbk/wbrwps/4635.html

Papers on the use of psychometrics in pre-employment screening

“The validity and utility of selection methods in personnel psychology: practical and theoretical implications of 85 years of research findings” by Frank Schmidt and John Hunter. 1992, Psychological bulletin 124(2): 262-274. Available here:
http://cat.inist.fr/?aModele=afficheN&cpsidt=2370144

“Validity of an honesty test in predicting theft among convenience store employees” by John Bernardin and Donna Cooke. Oct. 1993, the academy of management journal 26(5): 1097-1108. Available here:
http://www.accessmylibrary.com/coms2/summary_0286-148040_ITM

“Recruitment and selection practices survey report” by Sheila Rioux and Paul Bernthal. August 1999, HR benchmark group 2(2). Available here:
http://www.ddiworld.com/pdf/recruitmentandselectionpractices_fullreport_ddi.pdf

“Bandwidth-fidelity dilemma in personality measurement for personnel selection” by Deniz Ones and Chockalingam Viswesvaran. Journal of organizational behavior, Nov 1996, 17(6): 609-626. Available here:
http://www3.interscience.wiley.com/journal/25000269/abstract?CRETRY=1&SRETRY=0