At present, many microfinance institutions (MFIs) not only lend but also collect savings to serve better the needs of the poor. Little is known, however, if MFIs' overall costs decrease or increase as a consequence, nor it is clear which MFIs may benefit the most from expansion into savings...

A sound and effective banking system is the backbone of an economy. ICICI Bank is India's second-largest bank with total assets of ` 4,062.34 billion (US$ 91 billion) at March 31, 2011 and profit after tax ` 51.51 billion (US$ 1,155 million) for the year ended March 31, 2011. The Bank has a...

Online peer to peer lending (P2P) - allows people who want to borrow money to submit their applications on the platform and individual investors can make bids on the loan listings. The quality of information in credit appraisal becomes paramount in this market. The existing research to assess...

Microfinance institutions (MFIs) are a prominent financial inclusion initiative in many developing countries. In Zimbabwe, however, less is known about microfinance borrowers, determinants of loan utilisation and borrowers’ repayment behaviour. Demonstrating that MFIs serve those who are...