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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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The exposure of microfinance institutions to financial risk
Gietzen, Thomas - 2015
This study examines the exposure of microfinance institutions to liquidity, interest rate and foreign exchange (FX … the largest microfinance institutions worldwide. The data suggests that microfinance institutions in the sample, on …
Persistent link: https://www.econbiz.de/10011344326
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Modelo de selección de riesgo, aplicado al otorgamiento de microcrédito en un intermediario financiero de crédito colombiano, apoyado en redes neuronales artificiales
Miller, Ariza; Wilson, Barón; Nélson, Obregón; … - In: Atlantic review of economics : AROE 1 (2012)
This article aims to identify the most relevant variables that allow through a neural network model (RNA), with supervised learning, in a kind of error correction and feedforward perceptron multilayer architecture to achieve the best predictors of low risk, in the process of microcredit....
Persistent link: https://www.econbiz.de/10009664397
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How flexible repayment schedules affect credit risk in agricultural microfinance
Weber, Ron; Mußhoff, Oliver; Petrick, Martin - 2014
Using a unique dataset of a commercial microfinance institution in Madagascar, this paper investigates how the … provision of microfinance loans with (in)flexible repayment schedules affects loan delinquencies of agricultural borrowers …
Persistent link: https://www.econbiz.de/10010346224
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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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What Drives Microfinance Institution's Financial Sustainability
Ayayi, Ayi Gavriel - 2011
Microfinance promises to trim down poverty. To achieve this noble objective microfinance institutions (MFIs) have to …-significant negative effect on financial sustainability of MFIs. Third, we find that the client outreach of microfinance programs and the …
Persistent link: https://www.econbiz.de/10013118859
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Credit Risk Assessment in the Microfinance Industry : An Application to a Selected Group of Vietnamese Microfinance Institutions and an Extension to East Asian and Pacific Microfinanc...
Ayayi, Ayi Gavriel - 2014
outreach and write-off are by some margin the two most important determinant indicators of a microfinance institutions' (MFI …
Persistent link: https://www.econbiz.de/10013067187
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Mutual Guarantee Institutions and Small Business Finance
Columba, Francesco - 2009
A large literature showed that small firms experience difficulties in accessing the credit market due to informational asymmetries; these may be mitigated by collateral or relationship lending, possibilities often precluded to small business. We investigate the effect on small business finance...
Persistent link: https://www.econbiz.de/10013159734
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Microcredit Contracts, Risk Diversification and Loan Take-Up
Attanasio, Orazio - 2018
We study theoretically and empirically the demand for microcredit under different liability arrangements and risk environments. A theoretical model shows that the demand for joint-liability loans can exceed that for individual-liability loans when risk-averse borrowers value their long-term...
Persistent link: https://www.econbiz.de/10012936215
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Agent-Based Mapping of Credit Risk for Sustainable Microfinance
Lee, Joung-Hun - 2015
research areas, we propose an unorthodox framework for mapping microfinance credit risk — a major obstacle to the …-based model that obeys the stylised rules of microfinance industry. We found that in a deteriorating economic environment … shift in the first place. These findings suggest a small set of measurable quantities for mapping microfinance credit risk …
Persistent link: https://www.econbiz.de/10013023571