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Good Intentions Pave the Way to ... the Local Moneylender
Arnold, Lutz G.; Booker, Benedikt - 2012
. Microfinance programs should strive at preventing such consequences of bounded rationality. …
Persistent link: https://www.econbiz.de/10010294724
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The Time-Inconsistency Factor: How Banks Adapt to their Mix of Savers
Szafarz, Ariane; Laureti, Carolina - Centre Emile Bernheim, Solvay Brussels School of … - 2012
stylized facts from Bangladesh show that microfinance institutions pay a premium on commitment savings with respect to flexible …
Persistent link: https://www.econbiz.de/10010741971
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Good Intentions Pave the Way to ... the Local Moneylender
Arnold, Lutz G.; Booker, Benedikt - Wirtschafts- und Sozialwissenschaftliche Fakultät, … - 2012
. Microfinance programs should strive at preventing such consequences of bounded rationality. …
Persistent link: https://www.econbiz.de/10010570877
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The sacrifices of microborrowers in Ghana – A customer-protection perspective on measuring over-indebtedness
Schicks, Jessica - Centre Emile Bernheim, Solvay Brussels School of … - 2012
This paper measures the over-indebtedness of microborrowers in Ghana. It defines over-indebtedness from a customer-protection perspective, considering borrowers over-indebted if they continuously struggle with repayment and experience unacceptable sacrifices related to their debt. We find that...
Persistent link: https://www.econbiz.de/10010533747
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Over-Indebtedness in Microfinance – An Empirical Analysis of Related Factors on the Borrower Level
Schicks, Jessica - Centre Emile Bernheim, Solvay Brussels School of … - 2012
This paper analyses the over-indebtedness of microborrowers in Ghana. It defines over-indebtedness from a customer protection perspective and considers borrowers over-indebted if they continuously struggle with repayment and experience unacceptable sacrifices related to their debt. It finds that...
Persistent link: https://www.econbiz.de/10010547603
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From a supply gap to a demand gap? The risk and consequences of over-indebting the underbanked
Schicks, Jessica - Centre Emile Bernheim, Solvay Brussels School of … - 2011
In the past, the microfinance industry focused mainly on growth and outreach. Addressing financial exclusion implied a … of their mind. In a second step the chapter reviews the existing empirical research on microfinance over-indebtedness and … examines how prevalent over-indebtedness is in microfinance markets today. It highlights the evidence for over-indebtedness in …
Persistent link: https://www.econbiz.de/10009320345
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Microfinance Over-Indebtedness: Understanding its drivers and challenging the common myths
Schicks, Jessica - Centre Emile Bernheim, Solvay Brussels School of … - 2010
The microfinance industry has been celebrated both for its social impact on poverty alleviation and for its … profitability. With issues of over-indebtedness emerging among microfinance customers, both achievements are at risk. This paper … microfinance over-indebtedness erroneously oversimplify the reality of microfinance customers. The paper works with theoretical and …
Persistent link: https://www.econbiz.de/10008675430
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Addiction to Microcredit: An Obstacle to Social and Financial Mobility
Peprah, James Atta; Koomson, Isaac - Volkswirtschaftliche Fakultät, … - 2014
Contrary to the confidence in the ability of microfinance to uplift the poor on the social structure so that upon … craving. The paper reviews literature on social and financial impact of microfinance and finds that failure of microfinance in …
Persistent link: https://www.econbiz.de/10011107391
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Microfinance in Times of Crisis: The Effects of Competition, Rising Indebtedness, and Economic Crisis on Repayment Behavior
Vogelgesang, Ulrike - Post Graduate Programme "Allocation on Financial … - 2001
on the influence of recent changes in the Bolivian microfinance market. In particular, we examine the effects of the …
Persistent link: https://www.econbiz.de/10005628338
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The role of financial position on consumer indebted-ness. An empirical analysis in Italy
Cavalletti, Barbara; Lagazio, Corrado; Vandone, Daniela; … - Sezione di Economia e Finanza (DISEFIN), Facoltà di … - 2012
The paper focuses on the consumer credit market in Italy and on the related risk of over-indebtedness. Using survey panel data, we investigate the impact of overindebtedness on consumption behaviour, evaluating in particular if consumer credit is used to cover gaps in income and if this is...
Persistent link: https://www.econbiz.de/10010602241