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Reproducibility package for Leveraging Sex-Disaggregated And Alternative Data In Credit Scoring For Women-Owned SMEs

2026
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Reference ID
FR_WLD_2026_660
Author(s)
Sheirin Iravantchi, Angela Garcia Vargas
Collections
Flagships and Reports
Metadata
JSON
Created on
Jul 01, 2026
Last modified
Jul 01, 2026
Page views
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  • Overview
  • Reproducibility Package
  • Description
  • Scope and coverage
  • Disclaimer
  • Access and rights
  • Contacts
  • Information on metadata

    • Overview

    Abstract

    This paper examines how financial service providers (FSPs) are using sex-disaggregated data and alternative data in credit scoring and underwriting for women-owned and led small and medium-sized enterprises (WSMEs). Drawing on a World Bank Group survey of 46 providers across 30 jurisdictions (banks, microfinance institutions (MFIs), cooperatives/credit unions, non-bank lenders, and fintechs), the study maps current data practices across the credit lifecycle, identifies operational and regulatory constraints, and highlights opportunities and challenges to data-driven credit provision. The findings are intended to inform and support policy and regulatory measures on sex-disaggregated and alternative data that can help enable more inclusive access to finance for women entrepreneurs.

    Reproducibility Package

    Scripts
    Get Reproducibility Package
    File name
    FR_WLD_2026_660
    Zip package
    FR_WLD_2026_660.zip
    Title
    Reproducibility package for Leveraging Sex-Disaggregated And Alternative Data In Credit Scoring For Women-Owned Smes
    Date
    2026-06
    Dependencies
    Stata dependencies are listed in the ado folder.
    Instructions
    See README in reproducibility package.
    Notes
    Computational reproducibility verified by Development Impact (DECDI) Analytics team, World Bank.
    Source code repository
    Repository name URI
    Reproducible Research Repository (World Bank) https://reproducibility.worldbank.org
    Software
    Name
    Stata
    Version
    19.5 MP
    Name
    Excel

    Reproducibility

    Technology environment

    Paper exhibits were reproduced on a computer with the following specifications:
    • OS: Windows 11 Enterprise
    • Processor: Intel(R) Xeon(R) Gold 5218 CPU @ 2.30GHz (2.30 GHz) (2 processors)
    • Memory available: 16 GB
    Technology requirements

    Run time ~ 3 minutes
    Reproduction instructions

    To reproduce the exhibit in this paper a new user should do the following

    1. Update the global directories in the 0_main do file and run it

    Since the data is not included in the package, the outputs created by the replicators are included in the package so that users can compare them with published manuscript

    Data

    Datasets
    Name
    Credit Scoring of Women-Owned/Led Small and Medium Entreprises (SMEs) Survey
    Note
    Data accessed in May 2025. Exported answers from a global survey on the use of alternative and sex-disaggregated data in the credit scoring of women-owned/led SMEs. File location: data-raw/Responses-Alchemer_Cleaned.xlsx.
    Access policy
    Data is forthcoming in the World Bank Microdata Library and not included in the reproducibility package.
    License
    Custom License
    Data URL
    https://microdata.worldbank.org/index.php/home
    Citation
    World Bank. 2026. "Credit Scoring of Women-Owned/Led Small and Medium Entreprises (SMEs) Survey" [dataset]. Forthcoming in World Bank Microdata Library. Accessed May 2025
    Data statement

    All data is not yet publicly available but is expected to be made available through the World Bank Microdata Library in the future.

    Description

    Output
    Type
    World Bank Reports & Flagships
    Title
    Leveraging Sex-Disaggregated And Alternative Data In Credit Scoring For Women-Owned SMEs
    Authors
    Author Affiliation Email
    Sheirin Iravantchi World Bank siravantchi@worldbank.org
    Angela Garcia Vargas World Bank agarciavargas@worldbank.org
    Date of production

    2026-06-18

    Scope and coverage

    Geographic locations
    Location Code
    World WLD

    Disclaimer

    Disclaimer

    The materials in the reproducibility packages are distributed as they were prepared by the staff of the International Bank for Reconstruction and Development/The World Bank. The findings, interpretations, and conclusions expressed in this event do not necessarily reflect the views of the World Bank, the Executive Directors of the World Bank, or the governments they represent. The World Bank does not guarantee the accuracy of the materials included in the reproducibility package.

    Access and rights

    License
    Name URI
    MIT License https://opensource.org/license/mit
    World Bank IGO Rider https://github.com/worldbank/metadata-editor/blob/main/WB-IGO-RIDER.md

    Contacts

    Contacts
    Name Affiliation Email
    Sheirin Iravantchi World Bank siravantchi@worldbank.org
    Reproducibility WBG World Bank reproducibility@worldbank.org

    Information on metadata

    Producers
    Name Abbreviation Affiliation Role
    Reproducibility WBG DECDI World Bank - Development Impact Department Verification and preparation of metadata
    Date of Production

    2026-06-18
    Document version

    1
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