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Pricing in Microcredit and Traditional Credit
Saravalle, Andrea - 2012
This paper aims at analyzing the main aspects related to the pricing of credit in the traditional channel, and that of microcredit. After a brief introduction of the concept of microcredit, we analyze the main differences between the two channels of credit
Persistent link: https://www.econbiz.de/10014172288
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Repayment under flexible loan contracts : evidence from Tanzania
Grohmann, Antonia; Herbold, Steffen; Lenel, Friederike - 2020
We study repayment and delinquency in an innovative loan contract that offers borrowers a wide range of flexibility. Using a large administrative dataset, we perform unsupervised pattern analysis to study how borrowers repay within the framework of this loan. We identify eight clusters that can...
Persistent link: https://www.econbiz.de/10012257293
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Credit Surety Fund : a credit innovation for micro, small, and medium-sized enterprises in the Philippines
Maningo, Gary V. - 2016
Micro, small, and medium-sized enterprises are a backbone of the Philippine economy. One factor that hinders the growth of these enterprises is their difficulty in accessing finance from banks and other financial institutions. The Credit Surety Fund (CSF) was established to help these...
Persistent link: https://www.econbiz.de/10011522092
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Long-Run Price Elasticities of Demand for Credit : Evidence from a Countrywide Field Experiment in Mexico
Karlan, Dean S. - 2013
The long-run price elasticity of demand for credit is a key parameter for intertemporal modeling, policy levers, and lending practice. We use randomized interest rates, offered across 80 regions by Mexico's largest microlender, to identify a 29-month dollars-borrowed elasticity of -1.9. This...
Persistent link: https://www.econbiz.de/10013081249
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Long-Run Price Elasticities of Demand for Credit : Evidence from a Countrywide Field Experiment in Mexico
Karlan, Dean S. - 2013
The long-run price elasticity of demand for credit is a key parameter for intertemporal modeling, policy levers, and lending practice. We use randomized interest rates, offered across 80 regions by Mexico's largest microlender, to identify a 29-month dollars-borrowed elasticity of -1.9. This...
Persistent link: https://www.econbiz.de/10013072069
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Choice between Microfinance Systems Operating on the Basis of Individual Liability Loan Contract or through Joint Liability Loan Contract
Kundu, Amit - 2009
join in a microfinance system operating on the basis of individual liability credit contract, or on the basis of joint … liability loan contract through forming self-help group or may not participate in any type of microfinance system. This paper … establishes that wealthier among the not so affluent rural household prefers to join microfinance system operating on the basis of …
Persistent link: https://www.econbiz.de/10013159548
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Market Structure and Borrower Welfare in Microfinance
de Quidt, Jonathan - 2016
Motivated by recent controversies surrounding the role of commercial lenders in microfinance, and calls for regulation …
Persistent link: https://www.econbiz.de/10013005531
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Individual Consumption Response to Expanding Credit Access : Evidence from Online Cash Loan Platform
Li, Emma - 2020
This paper exploits a detailed new dataset with comprehensive financial and consumption information to investigate the relationship between a cash-loan borrower's access to credit and their respective consumption response. In particular, we test whether consumption among borrowers with a high...
Persistent link: https://www.econbiz.de/10012851238
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Women's Access to Credit in France : How Microfinance Institutions Import Disparate Treatment from Banks
Cozarenco, Anastasia - 2014
This paper compares the loans granted to male and female entrepreneurs by a French microfinance institution (MFI). The …
Persistent link: https://www.econbiz.de/10013059795
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FinTech credit and entrepreneurial growth
Hau, Harald; Huang, Yi; Shan, Hongzhe; Sheng, Zixia - 2021
Based on automated credit lines to more than two million vendors trading on Alibaba’s online retail platform, we show how the take-up of FinTech credit varies with the entrepreneur’s bank distance. Proximity to the branches of the five largest stateowned banks correlates positively with the...
Persistent link: https://www.econbiz.de/10012612853