Microfinance is a dominant strategy used to promote rural development around the world. Rather than directly track its impact on borrowers, however, microfinance institutions rely indicators of financial performance adopted from commercial banking as proxies for positive social impact. Yet, critical research has shown, industry depends coercive peer pressure, shaming and various forms gendered ...

We study how signaling affects equilibrium outcomes and welfare in an online credit market, using detailed data on loan characteristics borrower repayment. build estimate model which a may signal her default risk through the reserve interest rate. Comparing markets with without relative to benchmark no asymmetric information, we find that adverse selection destroys as much 34% of total surplus,...

the aim of this study was to investigate the factors affecting timely repayment of agricultural loans in fars province. the necessary data was obtained from agricultural bank as well as through 163 questionnaires, filled out in fars-province. the farmers were divided in to timely repayment and defaulter groups while standard tobit model being used for the study. the dependent variable in this m...

The main objective of this paper is to investigate the determining factors loan delinquencies from perspective borrower attributes and characteristics. Empirical results indicated that borrower-lender distance factor, collateral, education levels as well availability a monthly budget are having significant effects on delinquencies. On other hand, level income gender have no impact repayment beh...

Microfinance Institutions (MFIs) were introduced to reach a large number of active poor people who are excluded from the formal financial institutions due rigorous collateral requirements. As an instrument MFIs, was address need people. To operate successfully MFIs have unquestionable ensure that loan expended Micro and Small Enterprises (MSEs) be repaid back so as he can financially sustainabl...

Just like other commercial banks, Equity Bank experiences cases of poor loan repayment. The purpose the study is to assess influence financial skills group members on repayment at in Nakuru County. was informed by social capital theory and self–efficiency theory. adopted a descriptive research design. study's target population 72 credit officers six Branches also targeted 492 chairpersons group...

The role of PT Bank Negara Indonesia (Persero) Tbk (BNI)is essential in distributing People's Business Credits (KUR) to support micro and small businesses Indonesia. BNI needs mitigate credit risk ensure KUR scheme's sustainability maintain profitability. objectives this study are 1) To analyze the development Non-Performing Loan (NPLs) from distributed by SKC Bogor, 2) factors that influence r...

One of the important research problems in context financial institutions is assessment credit risk and decision to whether grant or refuse a loan. Recently, machine learning based methods are increasingly employed solve such problems. However, selection appropriate feature technique, sampling mechanism, and/or classifiers for support very challenging, can affect quality loan recommendations. To...