This paper examines the effects of tying microenterprise credit cooperatives (or “village banks”), with health and education services, using data from two Latin American countries, Ecuador and Honduras. Credit constraints particularly affect women (microentrepreneur) borrowers. Evidence suggests that mothers’ income increases are more likely to be spent on nutrition and other health improving e...

The paper established the facts that poverty is indeed increasing in Nigeria based on the poverty assessment study commissioned and sponsored by the World Bank in 1995. It further indicated in the introduction that the World Bank and the IMF group are focusing on poverty reduction as a prerequisite for debt relief. The paper is structured into five sections with introduction being section one. ...

This paper aims to assess the contribution of the micro-credit programme in raising health knowledge among poor women in rural Bangladesh. Data were collected from the 1998 sample survey of 500 mothers aged 15-49 years who had at least one child aged <5 years. Findings revealed that the socio-demographic factors such as the age of the woman, land ownership of the family and occupation of husban...

In micro-lending markets, lack of recorded credit history is a significant impediment to assessing individual borrowers’ creditworthiness and therefore deciding fair interest rates. This research compares various machine learning algorithms on real data test their efficacy at classifying borrowers into categories. We demonstrate that off-the-shelf multi-class classifiers such as random forest c...

Micro Business Credit is financing for Micro, Small, Medium Enterprises (MSMEs) in the form of providing working capital supported by guarantee facilities productive businesses. Bank BKC Susukan Branch Cirebon Regency a Regional Rural addition to conventional commercial banks such as BNI, BTN, Mandiri, Bukopin, Mandiri Syariah which trusted government distribute business loans. The phenomenon t...

Providing financial service to Micro, Small and Medium Enterprises (MSMEs) in Indonesia presents a challenge for small rural banks such as People’ Credit Banks. These banks are required to infer risks about customers’ loan repayment from structured (quantitative, financial) and unstructured (qualitative, non-financial) type of credit information. In this study, the complex nature of credit rela...

【Keywords】Micro Credit (MC), social ties, information asymmetry, creditworthiness, Guatemala, 【JEL code】C25, D14, Q14 【Abstract】Who borrows Micro Credit (MC) is the information needed to improve not only MC programs but also policies of poverty alleviation. This paper analyzes the MC use determinants taking social ties into account using data in Guatemalan Living Standard Measurement Study. It ...

The research focuses on the cooperative relationship and the strategy tendency among three mutually interactive parties in financing: small enterprises, commercial banks and micro-credit companies. Complex network theory and time series analysis were applied to figure out the quantitative evidence. Moreover, this paper built up a fundamental model describing the particular interaction among the...

On the network advantage of Internet finance, we analyzed the business trait and the future development trend of Internet finance, and analyzed the positive information value on big data in Internet finance business development, such as the long tail user management, risk supervision, the third party payment, micro credit, crowd funding, online manage money matters, business recommendation, the...