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Journal articles on the topic 'Micro credit risk (MCR)'

Author: Grafiati

Published: 4 June 2025

Last updated: 1 August 2025

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1

Thi, Thuy Linh Tran, Ngan Doan Phuong, and Tung Duong Thanh. "Micro Credit Risks Model Research." International Journal of Management Sciences and Business Research 10, no. 01 (2021): 129–39. https://doi.org/10.5281/zenodo.5040183.

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<em>The objective of the study is to propose a model for micro-credit risk assessment in Vietnam. To accomplish the research objectives, we conduct a synthesis of related studies. In-depth interview with experts, businesses and banks in Vietnam to propose models and methods of analysis and evaluation</em>

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Rachmawan, Ade, Abdul Kohar, and Tb Nur Ahmad Maulana. "Pengaruh Strategi Perubahan Nilai Car Terhadap Jangkauan Layanan Dan Risiko Pembiayaan Pada Lkm Koperasi Sejahtera Bangsaku." Jurnal Sains Terapan 6, no. 1 (2016): 01–15. http://dx.doi.org/10.29244/jstsv.6.1.01-15.

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The role of micro credit in poverty alleviation is very important. In Indonesia, performed by the Commercial Bank/ Islamic Banks of micro units, cooperative, rural bank/rural Islamic bank, and MFIs. Outreach microfinance services to the poor andmicro enterprisesin Indonesia is still very low. Perception of high risk for micro credit, especially loans to the poor/micro enterprises and lack of capital adequacy ratio (CAR) of rural bank/rural Islamic bank/ cooperative become obstacles for Financial institutions microlenders intermediation to the poor/micro enterprises or to financial institutions

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3

Çelik, Şaban. "MICRO CREDIT RISK METRICS: A COMPREHENSIVE REVIEW." Intelligent Systems in Accounting, Finance and Management 20, no. 4 (2013): 233–72. http://dx.doi.org/10.1002/isaf.1344.

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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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Jingming, Li, Li Xuhui, Dai Daoming, Ruan Sumei, and Zhu Xuhui. "Research on Credit Risk Measurement of Small and Micro Enterprises Based on the Integrated Algorithm of Improved GSO and ELM." Mathematical Problems in Engineering 2020 (September 18, 2020): 1–14. http://dx.doi.org/10.1155/2020/3490536.

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Small and micro enterprises play a very important role in economic growth, technological innovation, employment and social stability etc. Due to the lack of credible financial statements and reliable business records of small and micro enterprises, they are facing financing difficulties, which has become an important factor hindering the development of small and micro enterprises. Therefore, a credit risk measurement model based on the integrated algorithm of improved GSO (Glowworm Swarm Optimization) and ELM (Extreme Learning Machine) is proposed in this paper. First of all, according to the

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Li, Can, Yu Dang, Yinuo Liu, Xiaorong Liu, Junhong Kang, and Yanshan Liao. "Credit Decision Problems of MSMEs (Medium, Small and Micro-sized Enterprises)." Journal of Economics and Public Finance 8, no. 2 (2022): p48. http://dx.doi.org/10.22158/jepf.v8n2p48.

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Micro, small and medium enterprises (MSMEs) have become an important force in driving the country’s market economy in the 21st century. However, because of the following drawbacks: i.e. single enterprise capital chain, unstable economy, high risk, etc., banks will take many risks if they lend to MSMEs. Therefore, it is necessary to build a sound bank credit decision system to promote the development of MSMEs. The analytic hierarchy process (AHP) is employed to classify the importance level such as credit rating and enterprise strength are used as first-grade indexes, and six indicators in term

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Chen, Wanting, Xuanyi Wu, Z. Y. Chen, Yahui Meng, Ruei-yuan Wang, and Timothy Chen. "Credit strategy of micro, small, and medium enterprises with known reputation risk: Evidence from a comprehensive evaluation model." Journal of Information and Optimization Sciences 44, no. 4 (2023): 637–52. http://dx.doi.org/10.47974/jios-1183.

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With poor financial information transparency, and relatively weak profitability and asset strength stability, Small, medium and micro enterprises started late in China. This makes commercial banks need to bear more risks when providing loans to small, medium and micro enterprises than large enterprises. Big. When commercial banks do not have credit records of certain small, medium and micro enterprises, this will increase the risk that banks need to bear when lending to these small, medium and micro enterprises without credit records, and will also increase the difficulty of credit loan for sm

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Karimi, Ann, Bernard Baimwera, and Joshua Miluwi. "Influence of Credit Risk Education on Access to Credit by Micro Enterprises in the Formal Sector in Kenya." International Journal of Professional Practice 11, no. 4 (2023): 105–17. https://doi.org/10.71274/ijpp.v11i4.384.

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Access to credit from financial institutions for the purpose of financing state-regulated micro-enterprises in Kenya has been largely based on personal judgment, resulting in a lack of available credit from banks and other financial organizations due to the high rate of credit default. This has severely restricted the prospects of entrepreneurs funding their enterprises. In order to address this issue, a study was conducted that investigated the influence of credit risk education on access to credit by micro-enterprises in the formal sector in Kenya. Credit risk education and access to credit

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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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10

Chai, Feng. "A Prediction Model for Credit Risk Measurement of Small and Micro Enterprises Based On Particle Swarm Optimization random forest algorithm." International Journal of Computer Science and Information Technology 3, no. 1 (2024): 227–34. http://dx.doi.org/10.62051/ijcsit.v3n1.29.

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In the context of rapid economic development, the credit risk assessment of small and micro enterprises has become the focus of attention in the financial field. The random forest algorithm is widely used in credit risk assessment due to its high accuracy and robustness, but it has some problems, such as difficulty in parameter selection and performance degradation in processing unbalanced datasets. In this study, we propose a credit risk prediction model for small and micro enterprises based on Particle Swarm Optimization Random Forest Algorithm (PSO-RF). The particle swarm optimization effec

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Wu, Bingya, Zhihui Hu, Zhouyi Gu, Yuxi Zheng, and Jiayan Lv. "Credit Evaluation of Technology-Based Small and Micro Enterprises: An Innovative Weighting Method Based on Machine Learning and AHP." Data 10, no. 1 (2025): 9. https://doi.org/10.3390/data10010009.

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Technology-based small and micro enterprises play a crucial role in national economic and social development. Managing their credit risk effectively is key to ensuring their healthy growth. This study is based on corporate credit management theory and Wu’s three-dimensional credit theory. It clarifies the credit concept and measurement logic of these enterprises, considering their unique development characteristics in China. A credit evaluation system is constructed, and an innovative method combining machine learning with comprehensive evaluation is proposed. This approach aims to assess the

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Gao, Xia, Xiaoqian Yang, and Yuchen Zhao. "Rural micro-credit model design and credit risk assessment via improved LSTM algorithm." PeerJ Computer Science 9 (September 26, 2023): e1588. http://dx.doi.org/10.7717/peerj-cs.1588.

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Rural microcredit plays an important role in promoting rural economic development and increasing farmers’ income. However, traditional credit risk assessment models may have insufficient adaptability in rural areas. This study is based on the improved Long Short Term Memory (LSTM) algorithm using self organizing method, aiming to design an optimized evaluation model for rural microcredit risk. The improved LSTM algorithm can better capture the long-term dependence between the borrower’s historical behavior and risk factors with its advantages in sequential data modeling. The experimental resul

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Dang, Van Dan, and Hoang Chung Nguyen. "CREDIT RISK AMID BANKING UNCERTAINTY IN VIETNAM." Buletin Ekonomi Moneter dan Perbankan 25, no. 1 (2022): 73–96. http://dx.doi.org/10.21098/bemp.v25i1.1798.

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Using a new measure of micro uncertainty based on the cross-sectional dispersion of bank-level shocks, we analyze the impact of banking uncertainty on credit risk in Vietnam during the period 2007–2019. We document that a higher level of banking uncertainty may increase credit risk, and this unfavorable impact is mitigated at larger, better capitalized, and more liquid banks. As compared to private-owned banks, stateowned banks experience higher credit risk during periods of uncertainty. Further analysis supports the “search for yield” hypothesis and helps to better understand why credit risk

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Liu, Zhanyu, and Xialing Sun. "Research on the credit risk of small and micro enterprises under “The Belt and Road Initiative”." E3S Web of Conferences 53 (2018): 03079. http://dx.doi.org/10.1051/e3sconf/20185303079.

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Under the “The Belt and Road Initiative”, small and micro enterprises have new opportunities and new challenges. At present, the biggest problem facing the development of small and micro enterprises is the financing problem, and it is imminent to solve the financing problem. Based on the actual situation of small and micro enterprises, this paper designs a credit risk evaluation index system for small and micro enterprises through literature analysis and questionnaire, makes an empirical analysis on the H e-commerce enterprises in Henan province. On this basis, the credit risk control strategy

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Sudana, I. Made, and Andi Siti Asiyah. "Pengaruh Faktor Internal dan, Eksternal terhadap Risiko Kredit pada Bank Perkreditan Rakyat (BPR) di Indonesia." Jurnal Manajemen dan Bisnis Indonesia 6, no. 1 (2018): 1–16. http://dx.doi.org/10.31843/jmbi.v6i1.179.

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This study aims to know the effect of internal factor (capitalization, profitability, inefficiency, size) and external factor (economic growth, inflation) on credit risk of micro bank in Indonesia. This research uses purposive sampling method. Dependent variable in this research is credit risk. The independent variables in this study are capitalization measured by capital adequacy ratio, profitability measured by return on asset, inefficiency measured by BOPO ratio, size, economic growth, and inflation. The results show that credit risk is significantly influenced by capitalization, profitabil

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Tang, Qiang, and Wen Yu Shi. "Decision Analysis of Multifactor Credit Risk Based on Logistic Regression and BP Neural Network." Mathematical Problems in Engineering 2022 (July 1, 2022): 1–6. http://dx.doi.org/10.1155/2022/5194443.

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Small, medium, and micro enterprises play an important role in the development of the national economy and are of great significance in promoting technological innovation, relieving employment pressure, facilitating people’s lives, and maintaining social stability. But in China, small, medium, and micro enterprises generally exist in the phenomenon of “financing difficulties.” Therefore, we need to find a method to forecast its credit risk. By using Python, SPSS, and other software, based on a two-component logistic regression model, assisted by multievaluation model and supported by game theo

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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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Hasibuan, Hardiyati Kartini, Ai Annisa Utami, and Khoirul Umam. "Implementasi Manajemen Risiko Untuk Kredit Macet Konsumtif Di Bank Mandiri Kantor Cabang Jakarta Mampang Prapatan." RELASI : JURNAL EKONOMI 15, no. 2 (2019): 277–92. http://dx.doi.org/10.31967/relasi.v15i2.312.

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The rapid development of the banking industry with the increasing complexity of bank business activities and increasing credit exposure, will accelerate rapidly. The bank collects funds from additional funds and distributes funds in the form of loans or funds to the people in need, both for working capital and consumption investments. Increasingly tight competition also occurs between banks with each other. Among them by issuing or launching financial services products with various types and interest rates. This research is a qualitative research by following a study conducted over a period of

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Maria Antony, Tisa, and Suresh G. "Determinants of credit risk: Empirical evidence from Indian commercial banks." Banks and Bank Systems 18, no. 2 (2023): 88–100. http://dx.doi.org/10.21511/bbs.18(2).2023.08.

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Credit risk is a significant factor affecting the financial stability of banks. Keeping the credit risk under control is essential to maintain a bank’s cash flow. This paper examines the various profitability, microeconomic and macroeconomic indicators that affect a bank’s credit risk. The study uses the dataset of 31 banks from 2012 to 2021 and employs a panel data modelling approach to account for any variations in risk-taking behavior. The results revealed a statistically significant negative relationship between return on equity and credit risk when nonperforming loans proxy credit risk. T

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Kanapickiene, Rasa, and Renatas Spicas. "Credit Risk Assessment Model for Small and Micro-Enterprises: The Case of Lithuania." Risks 7, no. 2 (2019): 67. http://dx.doi.org/10.3390/risks7020067.

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In this research, trade credit is analysed form a seller (supplier) perspective. Trade credit allows the supplier to increase sales and profits but creates the risk that the customer will not pay, and at the same time increases the risk of the supplier’s insolvency. If the supplier is a small or micro-enterprise (SMiE), it is usually an issue of human and technical resources. Therefore, when dealing with these issues, the supplier needs a high accuracy but simple and highly interpretable trade credit risk assessment model that allows for assessing the risk of insolvency of buyers (who are usua

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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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AMAEGBERI, MICHAEL A., and EBIERINYO AYEBAEMI AKARARA. "EXAMINING FINANCIAL DEEPENING AND ECONOMIC GROWTH: AN ANALYSIS OF COMPETING FINANCE-GROWTH NEXUS THEORIES IN NIGERIA." WILBERFORCE JOURNAL OF THE SOCIAL SCIENCES 10, no. 1 (2025): 121–45. https://doi.org/10.36108/wjss/5202.01.0180.

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The finance-growth nexus remains a subject of intense debate, with competing hypotheses questioning whether financial deepening drives “economic growth” (supply-leading), follows it (demand-following), or exhibits a bidirectional relationship (feedback). This study examines the relationship between “financial deepening” and “economic growth” in Nigeria, addressing the question: Does “financial deepening” stimulate “economic growth”, or is it a consequence of economic expansion? Drawing on annual time-series data from the World Bank, IMF, and CBN Statistical Bulletin (2023), the study employs u

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A. Sowjanya and S. Sampath Kumar. "A Study on Financial Risk Management Practices of Micro Finance Institutions." South Asian Journal of Engineering and Technology 14, no. 3 (2024): 10–20. http://dx.doi.org/10.26524/sajet.2024.14.5.

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The study is set to explore the liquidity risk management practices by MFIs in Kenya. Emphasis was on the following; understanding the process of liquidity risk identification by MFIs, the extent to which MFIs are classified, monitor liquidity risks, liquidity risk exposure of MFIs and to identify the various practices that the MFIs adopt in managing the liquidity risks. The objective of the study was to examine the effects of credit risk management practices on financial performance of Microfinance Institutions. This article will explore credit, liquidity, operational, and strategic risk to b

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Wu, Congcong. "Credit Risk Assessment of Small, Medium and Micro Enterprises Based on The Improved Logical Regression Model of Gradient Descent Method." Journal of Education, Humanities and Social Sciences 16 (July 2, 2023): 176–80. http://dx.doi.org/10.54097/ehss.v16i.9604.

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Due to the weak strength of small, medium and micro enterprises, banks need to judge the credit risk of the enterprise based on the company's past credit history and the company's invoice information, etc., and then establish a reasonable and effective quantitative credit risk model.First, through the analysis and preprocessing of the data, this paper extracts six indicators such as marketing profit margin and invoice invalidation rate, and comprehensively evaluates the credit risk of the enterprise from the three aspects of enterprise scale, supply and demand stability, and credibility, and e

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Hardiyanti, Siti Epa, and Abdul Latif. "GOOD WAY TO PREVENT NON-PERFORMANCE LOANS: TEMPORARY STOPPING DISTRIBUTION OF BANTEN MICRO CREDIT BY PT BPR SERANG (PERSERODA) KASEMEN BRANCH." Management Science Research Journal 2, no. 1 (2023): 13–23. http://dx.doi.org/10.56548/msr.v2i1.41.

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   PT BPR Serang (Perseroda) Kasemen Branch is one of the banks whose share ownership is partially owned by the local government of Serang Regency and has the main activity in the form of lending aimed at the community in the Serang Regency area. One of the credit products provided by PT BPR Serang (Perseroda) Kasemen Branch is the Banten Microcredit. The credit is a loan aimed at micro, small and medium enterprises to increase the business capital of these business actors. During the Covid-19 pandemic, PT BPR Serang (Perseroda) Kasemen Branch has temporary stopping micro-cre

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Mao, Cui. "Enhanced group decision-making through an intelligent algorithmic approach for multiple-attribute credit evaluation with 2-tuple linguistic neutrosophic sets." International Journal of Knowledge-based and Intelligent Engineering Systems 28, no. 1 (2024): 163–77. http://dx.doi.org/10.3233/kes-230233.

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With the development of the internet economy, e-commerce has rapidly risen, and a large number of small and micro e-commerce enterprises have emerged. However, these enterprises have low financial information transparency, small scale, and high development uncertainty. Therefore, combining the characteristics of the internet economy, it is of great significance to dynamically evaluate credit risk. This not only helps to enhance the quality and rationality of credit risk evaluation results, but also helps to improve financing efficiency and reduce financing risks. The credit evaluation for smal

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Nurhidayat, Yayat. "An Application of Generalized Moments Method to Examine the Management Behavior during Peak Season A Study in Islamic Micro Finance Industry." MATEC Web of Conferences 218 (2018): 04025. http://dx.doi.org/10.1051/matecconf/201821804025.

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In the current highly competitive finance industry, it is important that any financial institution to develop a proper strategy to compete in the market. More specifically, the finance managers need to have an appropriate liquidity and stability strategy during the peak season where their customers have a high demand of cash. Finding such a strategy is challenging for micro finance institution due to their limited resources, in terms of finance and human resources. This study is aimed to (1) analyze the impact of liquidity risk to the stability of micro finance institutions and to (2) assess t

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Antoniades, Adonis. "Liquidity Risk and the Credit Crunch of 2007–2008: Evidence from Micro-Level Data on Mortgage Loan Applications." Journal of Financial and Quantitative Analysis 51, no. 6 (2016): 1795–822. http://dx.doi.org/10.1017/s0022109016000740.

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Recent empirical studies have shown that during the financial crisis of 2007–2008, banks that were more heavily exposed to liquidity risk contracted their supply of credit more sharply. I contribute to the identification of this effect by relying on the use of micro-level data on U.S. mortgage loan applications, which allows me to identify liquidity risk as an important determinant of the contraction of credit in the mortgage market but as separate from the precipitous fall in credit demand, disruptions in the securitization and subprime markets, shifts in asset risk, and changing risk aversio

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Hu, Wei, Yuhuan Wu, and Ziting Yang. "An Analysis of Credit Risk Prediction for Small and Micro Enterprises." Journal of Artificial Intelligence Research 1, no. 2 (2024): 1–21. https://doi.org/10.70891/jair.2024.110004.

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Digital inclusive finance has emerged as a significant catalyst for the high-quality development of small and micro enterprises (SMEs). This study, grounded in credit risk prediction theory, develops a comprehensive profiling and predictive model for SMEs, offering insights into innovative mechanisms by which inclusive finance can support their sustainable growth. Utilizing an extensive literature review, along with experimental modeling based on publicly available data, the study explores two approaches to feature construction. By employing diverse algorithms, it builds predictive models and

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Milić, Dragan, Dragana Tekić, Tihomir Novaković, Vladislav Zekić, Milana Popov, and Zlata Mihajlov. "Credit Rating of Agricultural and Food Companies in Vojvodina." Contemporary Agriculture 71, no. 1-2 (2022): 51–56. http://dx.doi.org/10.2478/contagri-2022-0008.

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Summary The purpose of this paper is to examine different methods of creditworthiness assessment and bankruptcy prediction in the case of agricultural and food companies in Vojvodina, Serbia. The analysis performed was based on the 2015–2019 financial reports of micro-sized, small-sized and medium-sized agricultural and food companies considered. A total of two models were applied in this study: the Altman’s Z’-score model and the Kralicek’s Quick test. The Altman’s Z’-score model results obtained indicate that the micro-sized agricultural companies were at greater risk of bankruptcy, whereas

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Jacobs Jr, Michael, Ahmet K. Karagozoglu, and Dina Naples Layish. "Credit risk signals in CDS market vs agency ratings." Journal of Risk Finance 17, no. 2 (2016): 194–217. http://dx.doi.org/10.1108/jrf-07-2015-0070.

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Purpose This research aims to model the relationship between the credit risk signals in the credit default swap (CDS) market and agency credit ratings, and determines the factors that help explain the variation in such signals. Design/methodology/approach A comprehensive analysis of the differences in the relative credit risk assessments of CDS-based risk signals and agency ratings is provided. It is shown that the divergence between credit risk signals in the CDS market and agency ratings is explained by factors which the rating agencies may consider differently than credit market participant

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Thi Thanh Hang, Hoang, Nguyen Thi Kim Phung, Tran Trong Huy, and Lê Thị Phượng Liên. "Impact of Macro and Micro Factors on Provision for Credit Risks of Commercial Banks in Vietnam: Approach on Python Programming Platform." International Journal of Business & Management Studies 04, no. 05 (2023): 26–34. http://dx.doi.org/10.56734/ijbms.v4n5a3.

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This study uses LGBM Regressor (Light Gradient Boosting Machine Regressor) algorithm in machine learning on python platform along with SHAP (Shapley Additive exPlanation) technique to extract information from machine learning model to evaluate the macro and micro factors affecting the provision for credit risks at commercial banks in Vietnam. Data was collected from 30 commercial banks in Vietnam from 2008 to 2020. Research results show that profitability, size, bad debt, credit balance, capital adequacy ratio, economic growth and unemployment rate have an impact on the provision for credit ri

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Wang, Zhongshuai, Baocheng Bian, and Jun Wang. "Influence of Green Credit Policy on Corporate Risk-Taking: The Mediating Effect of Debt Maturity Mismatch and the Moderating Effect of Executive Compensation." Sustainability 17, no. 7 (2025): 2862. https://doi.org/10.3390/su17072862.

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Risk-taking is a critical driver of sustainable development and financial performance for firms, especially under environmental degradation constraints. Despite the increasing implementation of green credit policies, their impact on corporate risk-taking remains underexplored in the existing literature. This study investigates the effects and underlying mechanisms of green credit policies on risk-taking behaviors among Chinese listed companies from 2009 to 2019. Utilizing econometric methodologies, including Difference-in-Differences, mediation analysis, and moderation analysis, the findings r

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Wu, Siqi, Yichuan Zhu, and Yanan Li. "Research on credit strategy of small, medium, and micro enterprises based on commercial banks." BCP Business & Management 22 (July 15, 2022): 280–85. http://dx.doi.org/10.54691/bcpbm.v22i.1240.

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In order to help banks formulate Credit Strategies for small, medium-sized and micro enterprises, this paper analyzes enterprises from two aspects. On the one hand, starting from the enterprise's data and from the enterprise's relevant data, including qualitative indicators such as reputation level, invoice information, credit record and operating income, a model is established to quantitatively analyze the operation status and reputation status of the enterprise. On the other hand, through the analysis of the "maximum lending rate" and "maximum lending rate" of the bank, we can analyze the "m

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Echegaray Roldán, Victor. "Credit risk: Evidence from peruvian commercial banks." Bolentín de Coyuntura, no. 32 (March 31, 2022): 06–16. http://dx.doi.org/10.31243/bcoyu.32.2022.1601.

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Este estudio tiene como fin investigar los factores que determinan el riesgo de crédito en la banca múltiple peruana. Se explora la relación de las variables macroeconómicas y específicas del banco frente al riesgo de crédito, las cuales fueron analizadas a través de un conjunto de datos de panel que incluyeron 185 observaciones de la banca múltiple durante los años 2001 – 2019. Basados en varias pruebas robustas, los resultados sugieren que el tipo de cambio y la tasa de referencia de la política monetaria nacional son significativamente positivos al riesgo de crédito de la banca múltiple per

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H, Bhuvaneswari, and Sivabalaji M. "Micro Finance as a Boon for Rural Poor." Shanlax International Journal of Commerce 7, S3 (2019): 27–30. https://doi.org/10.5281/zenodo.2572411.

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 India is a land of villages. Nearly 74% of the total population is living in rural areas. A signification large number of them are poor. The microcredit program in India is now the largest in the world. Since independence, the Government of India and the Reserve Bank of India and the Reserve Bank of India have made concerted efforts to provide the poor with access to credit. Despite the phenomenal increase in the past several decades, the rural poor continue to depend on informal source of credit. Besides all the things, cumbersome procedure and risk pe

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Mueni, Lucia, Gordon Opuodho, and Agnes Wanjiru Njeru. "Market Risk and Financial Performance of Deposit Taking Micro Finance Banks Kenya." International Journal of Innovations and Interdisciplinary Research (IJIIR) ISSN 3005-4885 (p);3005-4893(o) 3, no. 1 (2025): 1–14. https://doi.org/10.61108/ijiir.v3i1.159.

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Microfinance banks provide small-scale financial services, including loans, savings, and money transfers, to marginalized communities. However, they face significant credit risk due to unsecured lending and the limited credit history of borrowers. This risk is heightened by rapid technological changes and evolving market conditions, which threaten their financial stability. To maintain profitability, microfinance banks must adopt effective credit risk management strategies to assess and mitigate exposures that could impact their financial performance. Therefore, this study sought to examine ho

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Chakabva, Oscar, and Thomas Thurner. "Credit risk management practices in small and medium-sized micro-finance providers." Corporate Ownership and Control 13, no. 1 (2015): 1101–7. http://dx.doi.org/10.22495/cocv13i1c9p11.

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Microfinance providers play a significant role in emerging economies by providing banking-related financial services to the low income market. However, lending to the low income market is associated with high credit risk. This paper investigates the use of certain risk management practices by small and medium-sized micro finance providers in the Cape Metropolitan Area. The big difference of micro-finance is that collaterals are absent and instead, a close connection between microfinance providers and their clients come into place. And while micro-finance providers use follow up calls and penal

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Haixu, Liu, Zhang Yong, Li Hui, Mao Tianjun, Zheng Wenhui, and Li Jiao. "Probabilistic Calibration and Genetic Algorithm-based Bank Credit Strategies for MSMEs and Enlightenment to Tobacco Enterprise Management." Tobacco Regulatory Science 7, no. 6 (2021): 5726–40. http://dx.doi.org/10.18001/trs.7.6.56.

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Objectives: To further strengthen the role of Micro, Small and Medium Enterprises (MSMEs) in maintaining the vitality of national economy, governments around the world introduced many special policies. They kept guiding the banking industry to increase the support for MSMEs and reduce their financing difficulties in banks. Basing on the analysis of the bank's credit strategy for small and medium-sized enterprises of similar size, this paper gives the management strategy for small and medium-sized enterprises in tobacco industry to obtain bank credit when they cannot expand their turnover. In t

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Fang, Zhongbin, Hongru Fan, Haoxin Huang, et al. "Bank Credit Strategy Model Based on AHP-Fuzzy Comprehensive Evaluation." Business and Management Studies 7, no. 1 (2021): 22. http://dx.doi.org/10.11114/bms.v7i1.5081.

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Credit risk control and credit strategy formulation of medium and micro enterprises have always been important strategic issues faced by commercial banks. Banks usually make corporate loan policies based on the credit degree, the information of trading bills and the relationship of supply-demand chain of the enterprise. In this paper, we established the AHP-Fuzzy comprehensive evaluation model for quantifying enterprise credit risk. Based on the relevant data of 123 enterprises with credit records, the credit strategy is formulated according to the three indicators of enterprise strength, ente

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Amity, Ashemeza, and Labson Turyamushanga. "Credit risk management and loan recovery in micro finance institutions in Ishaka Bushenyi municipality: a case study of Kyamuhunga Sacco." INOSR ARTS AND HUMANITIES 11, no. 1 (2025): 58–67. https://doi.org/10.59298/inosrah/2025/5867.

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This study assessed the effect of credit management policies on loan recovery in microfinance institutions in Uganda, with a case study of Kyamuhunga Sacco in Ishaka Bushenyi Municipality. The study targeted top management, cashiers, loan officers, clients, and accountants. A combination of simple random and purposive sampling techniques was used to identify the study’s sample size. Data collection methods included questionnaires, observations, and interviews. The collected data was edited, coded, entered into a computer, and analyzed using Microsoft Excel. The results were presented in tables

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Knewtson, Heather, and Howard Qi. "Managing risk for sustainable microfinance." Journal of Risk Finance 20, no. 1 (2019): 2–13. http://dx.doi.org/10.1108/jrf-05-2018-0075.

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Purpose The purpose of this paper is to provide an insurance framework to address the challenge of managing default risk for lenders providing credit to small and micro businesses. Design/methodology/approach A theoretical model is developed showing how mircrofinance lenders can better manage the default risks of small and micro businesses, which assists lenders in sustainably providing affordable microfinance. Findings The model explains how to determine the feasible range of insurance premiums to advise lenders on the appropriate price for microinsurance protecting against small and micro bu

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Bryan, Muhammad Naufal, and Novya Zulva Riani. "Analisis Kredit Dalam Perhatian Khusus Studi Kasus: Kredit Mikro Pt. Pegadaian Area Padang." Jurnal Kajian Ekonomi dan Pembangunan 5, no. 1 (2023): 71. http://dx.doi.org/10.24036/jkep.v5i1.14423.

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This study aim to determine; (1) the influence of customer characteristics (2) business characteristics (3) credit characteristics on credit with particular attention to PT. Pegadaian Area Padang. This is because every credit, especially micro, cannot be separated from credit risk. Special mention loans are loans that have problems with payments within ninety days and below, and are measured in percentages of LAR (Loan At Risk). Allowing risky credit can lead to credit status to the next stage, namely NPL (Non-Performing Loan) and this will undoubtedly erode the profits of a financial institut

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Rayo Cantón, Salvador, Juan Lara Rubio, and David Camino Blasco. "Un modelo de credit scoring para instituciones de microfinanzas en el marco de Basilea II." Cuadernos de difusión 15, no. 28 (2010): 89–124. http://dx.doi.org/10.46631/jefas.2010.v15n28.04.

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The growth of microcredit worldwide along with international rules on capital requirements (Basel II) are increasing the competition between microfinance institutions (MFIs) and banks for this business segment. The bank system traditionally has relied on adequate credit scoring models to analyze the risk of payment failures, but this has not been the case in supervised MFIs. The objective of this research is to design a credit scoring model for any institution subjected to supervision and specialized in microcredit as the Development Agency for Small and Micro Enterprise (Entidad de Desarrollo

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Tandi, Asrin, Naomi Patiung, and Machmud Junaidy. "Analyzing the impact of customer compliance on credit collectibility among people's business credit (KUR)." Jurnal Konseling dan Pendidikan 13, no. 2 (2025): 347–57. https://doi.org/10.29210/1148100.

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Access to financing remains a major challenge for micro, small and medium enterprises (MSMEs) in rural Indonesia. The People's Business Credit (KUR) program is present as a government effort to expand access to financing, but credit performance, especially the collectability level is still a concern. This study aims to analyze the effect of customer compliance on the level of credit collectibility of KUR recipients in Lekopancing Village, Maros Regency. This research used an explanatory quantitative approach with a sample size of 200 respondents taken by simple random sampling from a populatio

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Fitrayanto Nugraha, Wahyu, Hartrisari Hardjomidjojo, and Ma’mun Sarma. "Risk Assessment of MSME Credit Process Digitalization Program of PT Bank XYZ West Sumatra Region." International Journal of Research and Review 10, no. 6 (2023): 361–71. http://dx.doi.org/10.52403/ijrr.20230644.

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The economic development of Micro, Small Medium Enterprise (MSMEs) cannot be separated from the real performance faced by most businesses, especially micro, small and medium enterprises in Indonesia. The most prominent is the low level of productivity, added value, and product quality. Despite this, MSMEs provide employment for the majority of Indonesians. The contribution of MSMEs in national output is still categorized as low. The factor that causes the low contribution of MSMEs in producing low output of goods and services is the type of decision-making that is fast and does not consider ot

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Cibák, Ľuboš, Volodymyr Yermachenko, Anatolii Kovalov, Liliia Zherdetska, and Dmitry Kretov. "THE RELATIONSHIP BETWEEN BANKING RISKS UNDER THE CRISIS: EMPIRICAL ASSESSMENT POST-SOVIET COUNTRIES DATA." Financial and credit activity problems of theory and practice 6, no. 59 (2024): 37–49. https://doi.org/10.55643/fcaptp.6.59.2024.4531.

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The study aims to substantiate the mutual influence of banking risks during the financial crisis by the empirical assessment of data from post-Soviet countries.Empirical substantiation of the mechanism of mutual banking risks within the crisis periods was based on a consecutive verification of the statistical significance of regression models. Firstly, the influence of foreign exchange risk on credit risk and liquidity risk is determined. Secondly, the causality between liquidity risk and credit risk is checked. Next, the impact of foreign exchange, credit and liquidity risks on interest rate

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Enoch, Esther Yusuf, Abubakar Mahmud Digil, and Usman Abubakar Arabo. "A Comparative Evaluation of the Effects of Credit Risk Control on the Profitability of Micro-Finance Bank." European Journal of Business and Management Research 6, no. 6 (2021): 67–74. http://dx.doi.org/10.24018/ejbmr.2021.6.6.1156.

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When assessing lending applications, banks face the problem of inadequate information needed to screen potential borrowers. The relevant information needed to evaluate the commitment of the entrepreneur and the likelihood of the business is challenging to interpret or even absent. This creates risk for the banks. Therefore, it is of paramount importance to give much consideration to credit management first before embarking on lending. In this research, we used both primary and secondary sources. We adopt a multi-stage sampling method by selecting a set of 21 respondents from a population of 52

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OLADEJO, Olusola James, and Gbenga Isaac OLORUNSOLA. "Credit Risk Management and Loan Performance of Microfinance Banks in Nigeria." Journal of Forensic Accounting & Fraud Investigation (JFAFI) Volume 7, Issue 2, July - December 2022 (2023): 108–19. https://doi.org/10.5281/zenodo.8227121.

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The concept of micro-finance in Nigeria has evolved over the years following other welldeveloped like Kenya in the sub-Saharan Africa. Given the importance of credit risk inmicrofinance operations, it is expected that the effectiveness of microfinance riskmanagement systems, processes, procedures, activities, methods, and incentives wouldhave a significant influence on loan performance. As a result, the purpose of this researchwas to examine the link between credit risk management and loan performance inNigerian microfinance banks (MFBs), using Lagos and Ogun State as case studies. Adescriptiv

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Liu, Bohan. "Research on Credit Strategy of Small and Medium-sized Banks based on RAROC." Scientific Journal of Economics and Management Research 7, no. 3 (2025): 1–7. https://doi.org/10.54691/gxg29e82.

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In the context of the business world, small, medium and micro enterprises represent the downstream of numerous industries within our nation. Consequently, it is of paramount importance to conduct credit risk analysis and research into credit strategies. The present paper employs mathematical modelling to quantitatively analyse the credit risk of enterprises, thereby obtaining the credit strategy of banks to enterprises and the credit adjustment strategy in the face of unexpected factors. The paper quantitatively analyses enterprise credit risk and provides the credit strategy of banks to enter

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