Research and Applications
PERC is a non-profit organization dedicated to unleashing the power of information for individual and worldwide economic development and asset building. Going beyond the standard think tank model of solely carrying out research and producing reports, our staff develops real-world applications and works with policy makers at all levels to bring about the change we seek.
Find out more: About PERC
Serving the Missing Middle
PERC's mission is to serve the Missing Middle, the almost four billion people above the global poverty line who do not have access to affordable mainstream credit, by utilizing a new type of economic development: information-led development.
Find out more: Information-Led Development, Who are the missing middle?
Overcoming the Catch-22
Up to 70 million Americans are excluded from the financial mainstream because of the Credit Catch-22: you need to have a history of debt to get credit. PERC's Alternative Data Initiative has already helped many Americans overcome this Catch-22 and access affordable mainstream credit.
Find out more: Alternative Data Initiative
Smart Disaster Recovery
PERC has developed metrics for the Louisiana Recovery Agency and the World Bank to track small business recovery from natural disasters.
Find out more: Gulf Coast Economic Renewal
Helping Our Community
PERC is volunteering with the Durham Affordable Housing Coalition (DAHC) and area volunteers to develop applications and solutions to help the DAHC and other nonprofits better serve their missions, such as stemming the stream of foreclosures in the Durham, North Carolina.
Find out more: PERC Mortgage Foreclosure Prevention Center
Donate to PERC
You can help support PERC's mission of global asset building by donating via Paypal. PERC is a 501(c)3 non-profit organization incorporated in the state of North Carolina. All donations are tax deductible.
Latest Publications
Optimal Consumer Credit Bureau Market Structure in Singapore
Credit Reporting Customer Payment Data
This study examines the impact and benefits that accrue to consumers, lenders, and utilities and telecommunications firms when telecoms and utilities report customer payment information to credit bureaus.
New to Credit from Alternative Data
Upcoming Events
PERC will co-host an international conference on microcredit at Peking University in Beijing on October 22 and 23, 2009.
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Please visit PERC's coalition for credit standards in the APEC region, the Asia-Pacific Credit Coalition.


The report offers a broad overview of PERC research on alternative data, specifically focusing on the new to credit consumer population and how their ability to obtain credit is increased through the reporting of alternative data.