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Journal articles on the topic 'Micro-credit Borrowers'

Author: Grafiati

Published: 10 September 2021

Last updated: 29 July 2025

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1

Tahalua, Imran. "PROSEDUR PEMBERIAN KREDIT MIKRO (KREASI) PADA PT PEGADAIAN (PERSERO) CABANG PELITA MAKASSAR." Jurnal Ilmu Manajemen Profitability 5, no. 1 (2021): 1–10. http://dx.doi.org/10.26618/profitability.v5i1.4852.

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The objectivies of the research were to find out kind evaluate the procedure of providing Micro Credit program (KREASI) at PT Pegadaian (Persero) Branch Pelita Makassar. The research was analysed descriptive qualitatively, the data were collected through observations and interviewing. This research was conducted in April to May 2020. The result of the research showed that the procedure of providing Micro Credit program (KREASI) at PT Pegadaian (Persero) Branch Pelita Makassar has been conducted well, starting with the introduction and approach of potential borrowers, the application stage for

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Дмитриева and Olga Dmitrieva. "Short credits and micro-loans for individuals: advantages, disadvantages, the main options." Vestnik of Kazan State Agrarian University 9, no. 3 (2014): 11–15. http://dx.doi.org/10.12737/6505.

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In everyday life, unforeseen or unplanned purchases lead to a desire to borrow a small amount on the short term. This problem is known to many people. Currently, the only viable option is short-term loans from commercial banks or micro-loans provided by microfinance institutions. They have their own advantages and disadvantages, and it is designed for a specific audience of potential borrowers. Short-term bank credit is available at any bank that deals with consumer credit borrowers. There are four main types of loans in the short term: a term loan; line of credit; overdraft on a personal map;

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Muharremi, Oltiana, Edlira Luҫi, Filloreta Madani, and Erald Pelari. "Evaluating the Impact of Microfinance at the Individual Level in Albania, Particularly in the Region of Vlora and Fier." Journal of Economics and Management Sciences 1, no. 1 (2018): p143. http://dx.doi.org/10.30560/jems.v1n1p143.

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Microfinance is defined as the provision of financial services such as micro-credit, micro savings, and micro insurance for individuals with low income. Although access to micro credit is seen as a right to have credit, it rather represents a right to development and economic initiatives that could change the borrower’s way of life. The purpose of this article is to examine the impact of microfinance loans in improving the living conditions of borrowers. This study is based on an empirical investigation of 384 structured questionnaires directed at microfinance institutions in the regions of Vl

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Liberti, José María, and Jason Sturgess. "The Anatomy of a Credit Supply Shock: Evidence from an Internal Credit Market." Journal of Financial and Quantitative Analysis 53, no. 2 (2018): 547–79. http://dx.doi.org/10.1017/s0022109017000837.

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We investigate how financial contracting interacts with lending-channel effects by tracing the anatomy of a credit supply shock using micro-level data from a multinational bank. Borrowers with stronger lending relationships, higher nonlending revenues, and those that pledge collateral, especially outside assets and real estate, experience less credit rationing. Consistent with a tightening of financing constraints post shock, borrower composition shifts toward larger and less risky firms, and loans exhibit higher collateralization rates. Our analysis highlights the value of relationships and s

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Deviarti, Holly. "Peran Wanita dalam Pemberdayaan Ekonomi Kecil: Mikro Kredit di Kelurahan Petojo Utara." Binus Business Review 1, no. 2 (2010): 525. http://dx.doi.org/10.21512/bbr.v1i2.1099.

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Women have a responsibility to meet the basic needs of families, when the husband has not been successful in adequately meeting family needs. Micro credit is taken from the method of Amanah Ikhtiar Malaysia (AIM), and applied in Petojo area, Central Jakarta. AIM Registration need women as participants in the micro-credit. This process begins with data collection on testing the ability of debtors, make arrangements for borrowers to work properly and return the loan. Implementation took place in a period of 1 year and micro- credit borrowers are selected from low economy class community. Before

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Rashid, Amber Gul, and Lalarukh Ejaz. "Interest free micro credit loans: Pakistani female entrepreneurs." Journal of Islamic Marketing 10, no. 3 (2019): 860–73. http://dx.doi.org/10.1108/jima-04-2018-0071.

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Purpose The purpose of this study is to examine the impact of interest free micro credit loans on the lives and business of the female borrowers. Design/methodology/approach Both primary and secondary data have been used. Case studies of four different female entrepreneurs have been included as part of the research. The observation was conducted over an extended period of time. Subsequently, interviews were conducted with four beneficiaries to know the role played by interest free micro credit loans in improving (or not!) their lives and businesses. Findings Interest free micro credit loans pl

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Sinha, Saurabh, and Imran Matin. "Informal Credit Transactions of Micro-Credit Borrowers in Rural Bangladesh." IDS Bulletin 29, no. 4 (1998): 66–80. http://dx.doi.org/10.1111/j.1759-5436.1998.mp29004008.x.

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Ampountolas, Apostolos, Titus Nyarko Nde, Paresh Date, and Corina Constantinescu. "A Machine Learning Approach for Micro-Credit Scoring." Risks 9, no. 3 (2021): 50. http://dx.doi.org/10.3390/risks9030050.

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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 micro-lending data to test their efficacy at classifying borrowers into various credit categories. We demonstrate that off-the-shelf multi-class classifiers such as random forest algorithms can perform this task very well, using readily available data about customers (such as age, occupation, and location). This presents inexpensive and reliable mea

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Razzaq, Shazma, Nadeem Maqbool, and Waseem Ul Hameed. "Factors Effecting The Elasticity Of Micro Credit Demand In Southern Punjab, Pakistan." International Journal of social Sciences and Economic Review 1, no. 2 (2019): 46–53. http://dx.doi.org/10.36923/ijsser.v1i2.34.

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Purpose of the study: Microfinance institutions (MFIs) are delivering various services of microcredit, savings as well as insurance. The key objective of microcredit is to decrease the poverty level and for empowering the women as well as other poor people under various developing countries. There is the various factor which effects on the demand of microcredit. Therefore, the objective of the current study is to explore the factors which affect the demand for microcredit. Methodology: In this conceptual study, the qualitative research technique was used. The data were collected from pre

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Johan, Suwinto, and Calista Endrina Dewi. "Credit Limit of Unsecured Consumer Lending: Evidence from Micro Data." Economics and Finance in Indonesia 67, no. 1 (2021): 51. http://dx.doi.org/10.47291/efi.v67i1.697.

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As credit card debts have increased in Indonesia over the past ten years, concerns over the impulsive buying behavior of Indonesian credit card holders have emerged. Therefore, more attention must be paid to credit risk management of banks as it plays an important role in analyzing the possibility of losses due to the inability of prospective borrowers to repay debts. This study provides empirical evidence about the prudence of commercial banks in Greater Jakarta in offering credit card limits. Using primary micro-data collected from credit card applications submitted to the largest foreign pr

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Shazma, Razzaq, Maqbool Nadeem, and Ul Hameed Waseem. "Factors Effecting The Elasticity Of Micro Credit Demand In Southern Punjab, Pakistan." International Journal of Social Sciences and Economic Review 1, no. 2 (2019): 46–53. https://doi.org/10.9116/ijsser.2019.1.2.07.

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<strong>Purpose of the study:</strong> Microfinance institutions (MFIs) are delivering various services of microcredit, savings as well as insurance. The key objective of microcredit is to decrease the poverty level and for empowering the women as well as other poor people under various developing countries. There is the various factor which effects on the demand of microcredit. Therefore, the objective of the current study is to explore the factors which affect the demand for microcredit. <strong>Methodology:</strong> In this conceptual study, the qualitative research technique was

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Munala, Daniel Ambundo, and Dr Julius Korir. "CONSTRAINTS TO GROWTH OF MICRO FINANCE INSTITUTIONS IN NAIROBI COUNTY, KENYA." International Journal of Finance 2, no. 1 (2017): 108. http://dx.doi.org/10.47941/ijf.45.

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Purpose:The purpose of this study was to determine the constraints to growth of micro finance institutions in Nairobi County, KenyaMethodology:The study adopted a descriptive survey research design to study the factors constraining the growth of the MFls. A census of all the 54 MFIs registered with the Association of Microfinance Institutions of Kenya AMFI was carried out. The informants for the study were drawn from the senior employees.Data was collected using questionnaires. Data obtained was analyzed using descriptive statistics by use of graphs and pie charts.Results: The study findings r

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Dashnyam, Bayarmaa, Gerelt-Od Uvgunkhuu, and Burmaa Sosorbaram. "The Machine Learning Methods For Micro-Credit Scoring: The Case Of Micro-Financing In Mongolia." Eduvest - Journal of Universal Studies 4, no. 5 (2024): 4489–503. http://dx.doi.org/10.59188/eduvest.v4i5.1137.

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As a result of growing digital technologies in the financial sector, the traditional slow lending process is being replaced by fast and easy digital lending systems that can make decisions in real time. Both lenders and borrowers have experienced the benefits of digital lending, the activities of microfinance institutions have expanded rapidly and the volume of digital microloans has increased significantly worldwide, including Mongolia. At the same time with the growing volume of digital microloans in Mongolia, the rationality of credit risk management has been becoming more critical. Credit

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Gnegy, Alan M., Alan J. Wilson, Albert Sementa, et al. "Education & Entrepreneurship: Implications For Contemporary Microfinance." American Journal of Business Education (AJBE) 4, no. 11 (2011): 1–10. http://dx.doi.org/10.19030/ajbe.v4i11.6487.

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In world regions receiving direct foreign aid, beneficiaries of aid often lack the education required to remove themselves from poverty. Micro-lending refers to the initiation of small loans to the neediest of borrowers who are unable to secure traditional financing from financial intermediaries. In order for micro-lending to thrive as a viable alternative to traditional government aid, borrowers must not only receive a loan, but also an education in business to fully equip borrowers with necessary resources to establish and operate a prosperous business entity. The authors will argue for the

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Odoh, N.E, and S.U Nwibo. "INFLUENCE OF FORMAL MICRO-CREDIT ON THE SOCIO-ECONOMIC WELFARE OF FARMERS IN EBONYI STATE, NIGERIA." Continental J. Agricultural Economics 3 (June 16, 2009): 41–45. https://doi.org/10.5281/zenodo.810020.

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This study analysed the influence of formal micro-credit on the socio-economic welfare of smallholder farmers in Ebonyi State, Nigeria. A total of 180 farm households were randomly selected from 12 autonomous communities. Structured questionnaire and interview schedules were the major instruments used for data collection. Data collected was analysed using both descriptive and inferential statistics. Descriptive statistics such as the mean, tables, percentages, etc and inferential statistics such as logit test and regression analysis were used for the specific objectives. A logit econometric mo

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Xu, Huacen (Brin), Heying Jenny Zhan, Claire Elizabeth-Ellen James, Lauren Denise Fannin, and Yue Yin. "Double bind in loan access in China: the reification of gender differences in business loans." International Journal of Gender and Entrepreneurship 10, no. 4 (2018): 182–97. http://dx.doi.org/10.1108/ijge-08-2017-0048.

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Purpose This paper aims to examine gender differences in credit access and credit default. Design/methodology/approach Using panel data drawn from 917 valid credit borrowers covering the period 2012 to 2015 drawn from among 6,849 study subjects and a national household financial survey (n = 29,500) conducted in China, this study focuses on gender differences in small and micro entrepreneurs’ financial behavior, specifically with respect to credit access and credit default. Findings The study revealed the following: Women expressed having more barriers to obtaining a business loan than men; gen

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Nusrat, Nargis, and Rahman Shah-Noor. "Assessing the Impact on Consumption Pattern Due to of Micro Credit :." DIU Journal of Business and Entrepreneurship 10, no. 02 (2016): 160–70. http://dx.doi.org/10.36481/diujbe.v010i2.bx18fe22.

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This paper explores the critical issues of urban poverty of Bangladesh. It also investigates whether consumption of the urban poor of Dhaka city can be improved through micro-credit offered by the Non Government Organizations (NGO) of Bangladesh. For the study, we have collected primary data by using a structured questionnaire. A total number of 100 respondents were selected randomly who provided usable response. We also used secondary data to develop theoretical background of the study. The study reveals that consumption pattern of the poor of Dhaka city did not improve significantly with the

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Kusum Mukherjee, Arghya. "Microfinance and credit to the ultra poor." International Journal of Social Economics 41, no. 10 (2014): 975–93. http://dx.doi.org/10.1108/ijse-03-2013-0064.

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Purpose – The purpose of this paper is to see whether Government of India is successful to make credit accessible to the poor; to examine the role of competition in microfinance sector in ensuring credit to the ultra poor borrowers; to see the role of subsidy in microfinance movement. Design/methodology/approach – The paper is based on secondary data. This paper examines, in an analytical framework with a variety of assumptions, the role of microfinance institutes (MFIs) in bringing capital to the ultra poor. Findings – In an attempt to make credit accessible to the poor, Government of India t

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El Ebrashi, Raghda, Rania Salem, Dina El Kayaly, and Noha El-Bassiouny. "What potentials does Islamic micro-credit have?" Journal of Islamic Marketing 9, no. 2 (2018): 305–28. http://dx.doi.org/10.1108/jima-03-2017-0027.

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PurposeThis paper aims to investigate the role of demographics and sector type in determining consumer preferences of Islamic micro-credit products, namely,MusharkaandMurabha, versus conventional micro-credit financing in Egypt.Design/methodology/approachThis research is a quantitative study that uses surveys on 1,125 current micro-credit consumers in Cairo and Upper Egypt using multi-staged cluster sampling technique. Descriptive and inferential analyses were used to explain results.FindingsThe study revealed the potential ofMusharkamode of financing among micro-credit borrowers in Egypt, spe

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Purwaningsih, Sri Budi, Noor Fatimah Mediawati, Moh Faizin, and Dwi Nadhiro Salsabila A. "Analysis of halal certification as an instrument for assessing the 5C principles in credit provision for MSME entrepreneurs." BIS Humanities and Social Science 2 (May 30, 2025): V225038. https://doi.org/10.31603/bishss.285.

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Micro, Small, and Medium Enterprises (MSMEs) require capital to develop their businesses. One way to meet this need is by obtaining loans from banks. Banks, in disbursing loans, must adhere to prudential principles, including assessments based on the 5C principles. Halal certification serves as one of the assets owned by MSME entrepreneurs when applying for bank loans. This study aims to determine whether halal certification can be used as collateral for credit and how banks use halal certification as an instrument for credit assessment based on the 5C principles. Before granting loans, banks

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Ṭḯrlea, Mariana Rodica. "Micro Enterprises Crediting. Practical Aspects." International conference KNOWLEDGE-BASED ORGANIZATION 25, no. 2 (2019): 104–8. http://dx.doi.org/10.2478/kbo-2019-0064.

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Abstract In a market economy, the credit assures a transfer of repayable value for a limited period of time in exchange for a price that is referred to as interest on credit. The role of the credit is to generate liquidity flows for its beneficiary in such a way as to enable him, on the one hand, to honour his obligations to the bank, namely the payment of the monthly rate of credit, interest, bank commissions as well as the insurance of the contracted loan and on the other hand to obtain a profit. In order to benefit from loans, micro-enterprises are analyzed by banks through methods, policie

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Suryani, Embun, Donny Oktaviansyah, and Adi Septiawan. "LENDING RELATIONSHIP DAN DAMPAKNYA TERHADAP AKSES KREDIT BAGI USAHA KECIL DAN MIKRO: (STUDI PADA USAHA SIMPAN PINJAM OLEH BADAN USAHA MILIK DESA/BUMDES DI PULAU LOMBOK)." JMM UNRAM - MASTER OF MANAGEMENT JOURNAL 9, no. 4 (2020): 369. http://dx.doi.org/10.29303/jmm.v9i4.583.

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The informal sector in developing countries like Indonesia is able to grow rapidly and is able to absorb labor. However, the ability to access credit is one of the main obstacles for the development and growth of Small and Micro Enterprises (SMEs). Microcredit is characterized with the existence of information asymmetry, for that we need a different approach in distributing financing for SMEs, one of which is to apply the approach lending relationship. The research was conducted at 12 Lembaga Keuangan Mikro (LKM) BUMDes in Lombok. The results indicate that the variable lending relationship pos

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Jin, Yuhuan, and Sheng Zhang. "Credit Rationing in Small and Micro Enterprises: A Theoretical Analysis." Sustainability 11, no. 5 (2019): 1330. http://dx.doi.org/10.3390/su11051330.

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One of the features of credit markets is that borrowers are sometimes rationed in the amount that they can borrow, which differentiates them from other markets. Small and micro enterprises (SMEs) are more likely to be eliminated than large and medium-sized enterprises under credit rationing. However, SMEs play a significant role in employment creation and growth of gross domestic products in developing countries. So, it is of great significance to study the reasons why SMEs are more vulnerable to credit constraints. By considering the differences in characteristics between SMEs and large and m

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Ushanov, Aleksandr Evgenievich. "On aspect of reducing bank risks of corporate loan." Vestnik of Astrakhan State Technical University. Series: Economics 2021, no. 1 (2021): 108–14. http://dx.doi.org/10.24143/2073-5537-2021-1-108-114.

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The article considers stagnation of lending by Russian commercial banks to corporate borrowers in the recent years. It has been proved that banks are more willing to invest their free credit resources in the financial sector, rather than the real sector of the economy, or place them on correspondent accounts and deposits with the Bank of Russia in the conditions of a continuing liquidity surplus, as well as taking into account the growth of overdue loan arrears. The necessity of stimulating measures at the micro-economic and macro-economic levels is justified. The basic condition for reducing

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Gaziyev, Z. Z. "Assessment of microcredit borrowers by the fuzzy maximin convolution method." Mathematical machines and systems 2 (2020): 89–98. http://dx.doi.org/10.34121/1028-9763-2020-2-89-98.

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The problem of timely repayment of loans at all times has been and continues to be actual for commercial banks. Overcoming this problem substantially depends on the quality of the solvency assessment of potential borrowers, which is carried out by experts on the basis of retrospective information. In the microcredit system, the assessment of the borrower's credit history is usually carried out by an expert who mainly relies on his heuristic knowledge and intuition, which usually extols subjective considerations that do not have sufficient grounds. In practice, the opinions of different analyst

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Marmina Kentas, Kezia. "The Repayment Capacity of MSME on Micro-Credit Risk through impact analysis of DPK, NPL, and DH level; Case from BRI Kunir branch in Blitar." COMSERVA : Jurnal Penelitian dan Pengabdian Masyarakat 4, no. 10 (2025): 3513–21. https://doi.org/10.59141/comserva.v4i10.2921.

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This research examines factors influencing microcredit repayment capacity, focusing on the impacts of DPK (Dalam Pertimbangan Khusus), NPL (Non-Performing Loan), and DH (Daftar Hitam) levels for Kupedes and KUR loans at Bank Rakyat Indonesia's Kunir branch in Blitar. It highlights the role of MSMEs in economic growth and job creation while noting challenges like limited access to finance. Key factors affecting repayment include financial conditions, debt-to-income ratios, and borrower characteristics. Using multinomial logistic regression, the study analyzes the relationship between these vari

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nisa, Zaib-un. "Determinant of Women Empowerment in Southern Punjab (Pakistan): An Empirical Study." Middle East Research Journal of Humanities and Social Sciences 3, no. 02 (2023): 17–22. http://dx.doi.org/10.36348/merjhss.2023.v03i02.002.

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Women's empowerment is the most debated topic in world literature today. It is one of the Millennium Development Goals in relation to microfinance programmes; a latest issue in the microcredit literature. Not only was Grameen Bank founder Dr. Younus awarded the 2006 Nobel Peace Prize in Bangladesh's micro-credit program, but it has also been a hot topic for researchers since its introduction in the mid-1990s to 1970s. This study considers women's empowerment empirically, as it is very difficult to measure this qualitative term. An attempt has been made to develop an Empowerment Index that has

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Ahmad, Muhammad, Guang Sheng Zhang, and Abdullah Al Mamun Hossain Shaikh. "Performance Review of the Bank of Agriculture in Katsina State, Nigeria." Asian Journal of Agricultural Extension, Economics & Sociology 17, no. 3 (2017): 1–9. https://doi.org/10.9734/AJAEES/2017/32815.

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<strong>Aims: </strong>The study aims to review the performance of the Nigerian bank of agriculture, Katsina state, in terms of micro credit disbursement and loan recovery. <strong>Study Design: </strong>Reviewing the bank performance in terms of micro-credit delivery and loan recovery from the year 2013 to 2015. <strong>Place and Duration of Study: </strong>Katsina state, Nigeria and College of Economics and Management, Shenyang Agricultural University, Shenyang, 110866, China from Sep, 2015 to Sep, 2016. <strong>Methodology: </strong>Data was collected using structured questionnaire administ

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Anwar, Mokhamad, Sulaeman Rahman Nidar, Sunu Widianto, and Layyinaturrobaniyah Layyinaturrobaniyah. "Lending Rationale of Financial Institution and Fintech on the Perception of Borrowers: A Qualitative Study." Jurnal Dinamika Manajemen 12, no. 2 (2021): 291–309. http://dx.doi.org/10.15294/jdm.v12i2.31896.

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The development of Financial Institutions including Financial Technology (Fintech) in providing loans to borrowers is increasingly important in the current business financing system. This study aims to determine the perceptions of borrowers by exploring their views on lending practices pro- vided by financial institutions and fintech and identifying the factors that influence the institution’s decision to provide loans to them. This study uses a qualitative research method by asking a number of questions to debtors in one of the Micro and Small and Medium Enterprises (MSMEs) commu- nities in t

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Singh, Anu. "Information Asymmetry and High Transaction Costs: Challenges for MSMEs In Securing Financial Support." GNLU Journal for Law and Economics VII, no. II (2024): 1–18. https://doi.org/10.69893/gjle.2024.000065.

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MSMEs are an untapped sector of the Indian economy with the potential to foster growth by benefiting the affluent industry and the country's middle class. There are multiple schemes run by Indian governments to cater to this agenda, but they are still unable to actualize the true potential of the MSME sector. This research paper explores the historical context and contemporary challenges faced by Micro, Small, and Medium Enterprises in India, which struggle to keep pace with other sectors of the economy. Despite their potential to drive economic growth and enhance middle-class livelihoods thro

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Adugna, Megersa. "Factor Affecting Loan Repayment Performance of Micro and Small Scale Enterprises in Western Ethiopia: The Case of Oromia Credit and Saving Share Company (Ocssco) Shambu Branch." International Journal of Economics & Management Sciences 12, no. 1 (2022): 8. https://doi.org/10.37421/2162-6359.2022.11.616.

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Loan repayment has a vital importance to have sustainable of financial institutions and the micro finance institution are distribution loan facilities to Micro and Small Enterprises(MSEs) in order to fill the gap of borrowers financial problem and increase productivity. Oromia Credit and Saving Share Company (OCSSCO) were, therefore, established to fill the gap in the financial services by providing credit services to MSEs. However, there is a loan repayment problem of MSEs in the study area, which is an obstacle to microfinance institutions. The objective of the study was identifying factors

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Singh, Vijeta, and Puja Padhi. "Dynamic Incentives and Microfinance Borrowers." Journal of Land and Rural Studies 5, no. 1 (2017): 67–92. http://dx.doi.org/10.1177/2321024916677609.

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In recent years microfinance has been recognised as one of the policy mechanisms to achieve the goal of financial inclusion. Different lending models have been appropriated in microfinance sector to provide micro-loans to microfinance borrowers and their likely socio-economic impact on microfinance borrowers varies across different lending models. In case of microfinance, credit contracts between lenders and borrowers are designed in such a manner that borrowers’ initial loans are smaller but increases with each loan cycle over a period of time, termed as progressive lending.2 The present stud

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Pamungkas, Wisnu, Ahmad Juanda, and Driana Leniwati. "From Uncertainty to Trust: Enhancing Green Financing in the Agricultural Sector Through Accountability and Transparency (A Case Study of Bank XYZ)." Dinasti International Journal of Economics, Finance & Accounting 6, no. 3 (2025): 1976–86. https://doi.org/10.38035/dijefa.v6i3.4608.

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This study examines the role of governance in green credit schemes, specifically focusing on how effective governance can reduce information asymmetry and enhance micro-agricultural enterprises' access to green financing. It also explores the potential of technologies such as blockchain and alternative credit scoring to improve governance and transparency in these schemes, aiming to contribute to the development of more effective policies for sustainable agriculture. This study explores governance in the green credit at Bank This study examines how governance can build trust in green financing

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Hu, Lifang, Rigoberto A. Lopez, and Yinchu Zeng. "Determinants of credit constraints for agricultural wholesalers in China." International Food and Agribusiness Management Review 23, no. 4 (2020): 563–77. http://dx.doi.org/10.22434/ifamr2019.0161.

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Following market reforms and economic growth since the late 1970s, agricultural wholesale markets in China have developed substantially and become increasingly important in food distribution. This paper investigates the determinants of credit constraints on agricultural wholesalers. A probit model with sample selection is estimated for credit constraints and demand using data collected via a nationwide survey of 1,422 agricultural wholesalers, of whom approximately 39% were designated as credit-constrained. Empirical results confirm that an absence of relatives in the business supports the not

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Kariuki, Paul, and Mary Namusonge. "Multi-Borrowing Practices and Loan Repayment of Micro and Small Enterprises in Trade Sector in Meru County, Kenya." International Journal of Business Management, Entrepreneurship and Innovation 6, no. 3 (2024): 169–71. http://dx.doi.org/10.35942/01jrc668.

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In Kenya, the increase in multi-borrowing and its effects on loan repayment is a growing concern for microfinance institutions. The general purpose of this research was to establish the effect of multi-borrowing on loan repayment among MSEs in Meru County. Specifically, the study aimed to determine how the number of loans borrowed, interest payable, and the financial literacy of borrowers influenced loan repayment within Meru County Microfinance. The research was anchored on information asymmetry, prospect theory, moral hazard, and adverse selection theories. The study targeted 6,000 MSE owner

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Mashigo, Polly. "The lending practices of township micro-lenders and their impact on the low-income households in South Africa: A case study for Mamelodi township." New Contree 65 (December 30, 2012): 24. http://dx.doi.org/10.4102/nc.v65i0.317.

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Access to finance (cash/credit) is central to economic development and improving the living standards of people. Faced with uncertainty about future prospects, illiquid and irreversible nature of assets, the low-income households become vulnerable to unpredictable events like illness and death. Traditional requirements of formal collateral, asymmetric information and high transaction costs used by the formal financial institutions are barriers to the provision of credit. The low-income households therefore resort to township micro-lenders to access credit in order to bridge the effects of thes

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Buchanan, Sean, Trish Ruebottom, and Suhaib Riaz. "Categorizing Competence: Consumer debt and the reproduction of gender-based status differences." Organization Studies 39, no. 9 (2017): 1179–202. http://dx.doi.org/10.1177/0170840617736933.

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We examine how gender inequalities are reproduced through categorization processes in mainstream discourse. Drawing from an analysis of six years of US media coverage of credit card borrowers throughout the recent financial crisis, we show how categorization processes facilitate gender-based status differences by categorizing male and female credit card borrowers based on competence. We find that three dimensions of competence—savviness, responsibility, and agency—are constructed through two discursive mechanisms: accounts and vocabularies. Additionally, we highlight how vocabularies work to a

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Faisal, Rasool Siyal, Dr. Syed Munir Ahmed Shah Prof., and Hussain Junejo Mumtaz. "Role of Micro-Finance on the Economy of Pakistan by Using Vector Auto Regression Model: A Case Study of Sukkur." International Journal of Case Studies (ISSN Online 2305-509X) 08, no. 08 (2019): 01–11. https://doi.org/10.5281/zenodo.4817175.

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This research investigates the Role of Micro-Finance on the Economy of Pakistan By Using Vector Auto Regression Model: A Case Study of Sukkur. Data were collected from various secondary sources, ie annual reports IMF reports. It was revealed that Thus, microfinance has so far reached numerous people across the world. In this regard, MFIs have become dominant financial institutions for the poor who cannot access to formal financial institutions in some parts of the world. There are about 1000 listed micro finance institutions (MFIs) now operating in Pakistan (InM 2015). Beyond the MFIs, Non-gov

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Juventud, Windy M., Elery Ann O. Matigas, Jenny Himongala, Malou R. Galla, and Michael Jere’ D. Abiol. "Perceived Credit Risk of Micro Finance Loans among Micro-enterprises Business in Población Iligan City." International Journal of Multidisciplinary: Applied Business and Education Research 4, no. 10 (2023): 3697–702. http://dx.doi.org/10.11594/ijmaber.04.10.22.

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This study aimed to assess the perceived credit risk associated with microfinance loans among micro-enterprise businesses. It had three primary objectives: first, to profile the respondents based on their demographics; second, to gauge their perceptions regarding the credit risk and of the microfinance loans. The research employed a descriptive-correlational research design and was conducted in Brgy. Poblacion, Iligan City, involving a random sample of seventy-five business owners who completed an adapted and modified survey questionnaire. The findings revealed that a majority of the business

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Farida, Farida, Hermanto Siregar, Nunung Nuryartono, and Eka Intan KP. "DETERMINANT OF MICROCREDIT REPAYMENT." Buletin Ekonomi Moneter dan Perbankan 19, no. 1 (2016): 57–80. http://dx.doi.org/10.21098/bemp.v19i1.600.

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This paper investigate the determinants of microcredit repayment by employing the logistic regression on micro-business households in Pati, Central Java. The result of this study reveals that loan repayment affected significantly by the business lines, food consumption spending, side job, other loan sources, collateral, and credit constrained. Interestingly, the result concludes that the loan repayment are no longer influenced by moral hazard, since the characteristics such as gender, education level, age, experience do not significantly encourage borrowers to repay. This paper also conform th

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Niladri Bihari Dash. "Assessment of Satisfaction of MSME at the Pre-Stage of Loan Sanction by Public Sector Banks in Odisha, India." Journal of Information Systems Engineering and Management 10, no. 2 (2025): 33–41. https://doi.org/10.52783/jisem.v10i2.1117.

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Micro, Small, and Medium Enterprises (MSMEs) are integral to the economic framework, significantly contributing to job creation, promoting equitable income distribution, and mitigating regional economic disparities. The success of MSME entrepreneurs is heavily reliant on the support they receive from financial institutions, particularly in terms of credit access and banking services. This research aims to investigate the determinants of satisfaction among MSME borrowers and assess their overall contentment with public sector banking services. Recommendations are provided to enhance borrower sa

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Chi, Guotai, Shijie Ding, and Xiankun Peng. "Data-Driven Robust Credit Portfolio Optimization for Investment Decisions in P2P Lending." Mathematical Problems in Engineering 2019 (January 2, 2019): 1–10. http://dx.doi.org/10.1155/2019/1902970.

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Peer-to-Peer (P2P) lending has attracted increasing attention recently. As an emerging micro-finance platform, P2P lending plays roles in removing intermediaries, reducing transaction costs, and increasing the benefits of both borrowers and lenders. However, for the P2P lending investment, there are two major challenges, the deficiency of loans’ historical observations about the certain borrower and the ambiguity problem of estimated loans’ distribution. In order to solve the difficulties, this paper proposes a data-driven robust model of portfolio optimization with relative entropy constraint

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Sonam, Sonam, Mridul Dharwal, and Varun Mohan. "ARTIFICIAL INTELLIGENCE IN MICRO-FINANCE IN INDIA: THE KEY FOR SUSTAINABLE DEVELOPMENT." International Journal of Education, Modern Management, Applied Science & Social Science 06, no. 03(I) (2024): 132–39. http://dx.doi.org/10.62823/ijemmasss/6.3(i).6838.

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The development of mobile and internet technologies has revolutionised every sector of the economy worldwide. Artificial intelligence has brought about the next wave of micro-finance revolution. Micro-finance has played a significant role in transforming lives of millions of households across the globe. The Micro-finance institutions (MFIs) are undergoing a digital transformation to save costs, determine credit worthiness of potential borrowers and risk. This conceptual paper focus on understanding how artificial intelligence is shaping the micro-finance sector in the 21st century. We review t

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Manachynska, Yulia, and Volodymyr Yevdoshchak. "ACCOUNTING FOR CREDIT OPERATIONS IN BANKS UNDER THE COVID-19 PANDEMIC CONDITIONS." BULLETIN OF CHERNIVTSI INSTITUTE OF TRADE AND ECONOMICS I, no. 81 (2021): 84–101. http://dx.doi.org/10.34025/2310-8185-2021-1.81.06.

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The period of corona crisis prompted the emergence of new challenges for domestic corporate and individual businesses. In particular, small, medium-sized businesses and micro-enterprises experienced a significant lack of financial resources and an urgent need for credit funds. For the first time in history the banking system of Ukraine provided support ACCOUNTING, ANALYSIS AND AUDIT Issue I (81), 2021 85 on the appropriate lending level to both the corporate sector and individual borrowers during the crisis. The Cabinet of Ministers of Ukraine has developed and actively implemented in practice

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Sarda, Rashmi, and Devi Baruah. "Borrower Discouragement: Loan Delays and Loan Rejection: Evidence from MSMEs in the State of Assam in India." SEDME (Small Enterprises Development, Management & Extension Journal): A worldwide window on MSME Studies 47, no. 2 (2020): 95–103. http://dx.doi.org/10.1177/09708464211032551.

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In India micro, small and medium enterprises (MSMEs) play a vital role in the development of economy through their contribution to GDP, employment generation, regional development, export promotion, etc. Irrespective of the achievements of the small and medium enterprise (SME) sector, there are certain issues which eclipse desired growth. Availability of ample and timely credit at reasonable rate of interest is vital for the development of these sectors. There seems to be a gap between demand for and supply of the bank credit to SMEs. The delay in processing of credit and the rate of rejection

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Muhammad Abdul Rehman, Manzoor Ahmed, and Dr Sonia Sethi. "AI-Based Credit Scoring Models in Microfinance: Improving Loan Accessibility, Risk Assessment, and Financial Inclusion." Critical Review of Social Sciences Studies 3, no. 1 (2025): 2997–3033. https://doi.org/10.59075/15hhfs58.

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AI has made a huge impact in micro financing through the introduction of credit scoring models that have made loans easily accessible, reduced risks associated with lending while increasing the number and population covered by micro finance. The key traditional credit scoring measures that form the basis of conventional credit scoring models mainly base their decision on historical financial data, thus locking out people who do not have formal records with banks in the society. Symbolic models apply new sources of data, like use of mobile phones, transactions, social media accounts, and biomet

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Kofarmata, Yusuf Ibrahim, and Abubakar Hamid Danlami. "Determinants of credit rationing among rural farmers in developing areas." Agricultural Finance Review 79, no. 2 (2019): 158–73. http://dx.doi.org/10.1108/afr-03-2018-0023.

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Purpose The purpose of this paper is to model credit rationing among farmers in rural developing areas, based on micro level data of Kano State, Nigeria. Design/methodology/approach A total of 835 households and 45 microfinance banks were utilized as the samples of the study which were selected using multi-stage stratified sampling technique. Multinomial logit model was used to estimate the factors that determine credit rationing among the rural farmers in Nigeria. Findings The result of the discrete choice model shows that farmers who are either being engaged in subsistence farming or trading

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Zabolotskaya, Victoria V. "Methods for diagnostics and forecasting SMEs creditworthiness using artificial intelligence." Izvestiya of Saratov University. Economics. Management. Law 24, no. 3 (2024): 294–311. http://dx.doi.org/10.18500/1994-2540-2024-24-3-294-311.

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Introduction. The impact of multidirectional external macroeconomic and regional factors of the economic environment in conditions of uncertainty and increased risks causes significant difficulties in diagnosing, assessing and forecasting the creditworthiness of financial and credit support recipients and borrowers (micro, small and medium-sized enterprises) in the Russian Federation. Theoretical analysis. The author systematized the basic mathematical methods and models for assessing and forecasting the level of creditworthiness of micro, small and medium-sized businesses in foreign and Russi

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Ratu Dara, Romana, Orpa Juliana Nubatonis, and Yossie M. Y. Jacob. "ANALISIS YURIDIS TERHADAP PERJANJIAN KREDIT TANPA AGUNAN SEBAGAI SALAH SATU ALTERNATIF PENDANAAN UMKM (USAHA MIKRO, KECIL DAN MENENGAH) DI INDONESIA." Petitum Law Journal 2, no. 2 (2024): 429–43. https://doi.org/10.35508/pelana.v2i2.18783.

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This study aims to conduct a legal analysis of unsecured loan agreements (KTA) as an alternative financing option for Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. KTA has become one of the most widely used financing instruments by MSMEs because it does not require physical collateral from borrowers. However, despite providing easier access to financing, there are several challenges in its implementation, particularly related to the risk of non-performing loans and the legal protection for both parties. This research employs a normative legal approach by examining banking regulati

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Takaharu, Ishii. "Corporate Finance and Credit Constraints in a Transitional Economy: Insights from Borrowers’ Relations in Mongolia." International Journal of Regional Development 9, no. 1 (2022): 23. http://dx.doi.org/10.5296/ijrd.v9i1.19401.

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This study examines changes in the extent of access to finance in order to ascertain how states that have transitioned from socialist to capitalist regimes have deepened their capitalist systems. To understand the extent of capitalization, it is important to confirm whether there are widespread opportunities for income growth in the country through structural reforms and economic growth since democratization, as access to finance as a safety net for the vulnerable has expanded, especially for the poor, especially in micro-enterprises where many of the poor are employed. This study focuses on m

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