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 study was conducted to assess the credit utilization pattern and repayment behavior of the fish farmers in Mymensingh and Kishoreganj districts during January to December, 2009. Data were collected from 600 fish farmers, 300 each from each district by employing stratified random sampling technique. Credit utilization rate in Mymensingh district was 49.04%, 56.73% and 70.29% in case of small...

This research examines the impact of the strengthened repayment provision under the Employment Insurance (EI) system on the probability of receiving EI benefits among eligible laid-off workers. The new provision has introduced an increase in benefit repayment rates and a reduction in the repayment threshold. Prior to EI, claimants whose annual income was more than 1.5 times the maximum insuranc...

this study was conducted with the objective of identifying the major determinants of loan repayment in small scale enterprises (sses) with particular reference to sses in one of kenya’s most dynamic informal business hub, kariobangi division in nairobi. in order to achieve this objective, primarily data were collected from 50 randomly selected respondents by using questionnaires. descriptive st...

This study was conducted with the objective of identifying the major determinants of loan repayment in Small Scale Enterprises (SSEs) with particular reference to SSEs in one of Kenya’s most dynamic informal business hub, Kariobangi Division in Nairobi. In order to achieve this objective, primarily data were collected from 50 randomly selected respondents by using questionnaires. Descriptive st...

This paper analyzes the theoretical underpinnings of high-frequency repayment, a feature in nearly all microfinance contracts that has been largely overlooked by theorists. The pervasive belief among practitioners that frequent repayment is critical in achieving high repayment rates is puzzling. Classically rational individuals should benefit from more flexible repayment schedules, and less fre...

This paper studies how the method of government debt financing affects the macroeconomic performance of the transforming Chinese economy. The investigation is conducted within the context of an endogenous growth model that incorporates the major institutional features of the Chinese economy. Using this framework, we evaluate the effects on the growth rate of output and inflation if the Chinese ...

In stark contrast to bank debt contracts, most micro-finance contracts require that repayments start nearly immediately after loan disbursement and occur weekly thereafter. Even though economic theory suggests that a more flexible repayment schedule would benefit clients and potentially improve their repayment capacity, micro-finance practitioners argue that he fiscal discipline imposed by freq...