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DTSTART:20251026T030000
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RDATE:20261025T030000
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UID:calendar.137836.field_date.0@www.tse-fr.eu
DTSTAMP:20260510T174701Z
CREATED:20250725T151001Z
DESCRIPTION:Nicola Limodio (Bocconi University)\, “Developing the Mortgage 
 Market: Technology\, Property Rights\, and Banking: BID/Finance Joint semi
 nar”\, Behavior\, Institutions\, and Development Seminar\, May 11\, 2026\,
  11:00–12:30Finance Seminar\, Toulouse: TSE\, May 11\, 2026\, 11:00–12:30\
 , room Auditorium 3.\n\nCombining administrative data on credit\, mortgage
 s\, and construction in Rwanda\, this paper shows that technology helps ov
 ercome imperfections in property rights and foster the development of the 
 mortgage market. Exploiting quasi-experimental variation in 3G internet co
 verage and a land title reform\, we find that mobile connectivity shifts b
 orrowers from microfinance to banks. 3G internet facilitates the distribut
 ion of land titles\, which borrowers use as collateral for bank loans and 
 mortgages\, thus promoting household investment in real estate. A mediatio
 n analysis and structural estimation reveal that the property rights chann
 el accounts for 30–37% of the effect of mobile internet on bank lending an
 d 75–80% of the effect on collateralized loans.
DTSTART;TZID=Europe/Paris:20260511T120000
DTEND;TZID=Europe/Paris:20260511T133000
LAST-MODIFIED:20260421T001001Z
LOCATION:May 11\, 2026\, 11:00–12:30Toulouse: TSE\, May 11\, 2026\, 11:00–1
 2:30\, room Auditorium 3
SUMMARY:Behavior\, Institutions\, and Development Seminar
URL;TYPE=URI:https://www.tse-fr.eu/seminars/2026-developing-mortgage-market
 -technology-property-rights-and-banking
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