A Systematic Review of EdTech-Microfinance Integration for Enhancing Credit Discipline

Abstract

Adding educational technology to microfinance programs may improve borrower repayment and lower loan portfolio risk in low- and middle-income settings. Studies use different designs, outcome definitions, and reporting, so a clear, repeatable review was needed to map the evidence and assess quality. This review followed a registered protocol and used dual independent screening, a tested extraction form, a risk-of-bias appraisal, and predefined rules for synthesis. Primary outcomes were on-time repayment, 30 and 90 day delinquency, and default, but variation across studies limited pooled estimates. The review offers an evidence map, a structured assessment of evidence strength, and a catalog of implementation and research gaps. Microfinance institutions should pilot integrated educational technology with clear metrics, cost tracking, and higher-quality evaluation before scaling up.