Three development finance institutions (DFIs) which operate in KwaZulu-Natal (KZN)province were assessed in 1996/97 to see how they could improve financial viability andoutreach to emerging farmers, agribusiness and micro-entrepreneurs. Improved servicequality and emphasis on mobilising savings...

Bivariate probit analysis was used to assess the efficacy of a South African microlender’s loanscreening process. This micro-lender grants short-term cash loans to individuals who areemployed and earning a fixed salary. Loan applicants with more stable incomes, who arecontactable via telephone...

Collateral is an important incentive device used by lenders to encourage loan repayment. However, collateral must have secure and transferable title, it must be marketable, have low lender liquidation costs and lenders must be able to attach the collateral. Study results for rural and...

Three development finance institutions (DFIs) which operate in KwaZulu-Natal (KZN) province were assessed in 1996/97 to see how they could improve financial viability and outreach to emerging farmers, agribusiness and micro-entrepreneurs. Improved service quality and emphasis on mobilising...

Bivariate probit analysis was used to assess the efficacy of a South African microlender’s loan screening process. This micro-lender grants short-term cash loans to individuals who are employed and earning a fixed salary. Loan applicants with more stable incomes, who are contactable via...