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Relevant bibliographies by topics / Small borrowers

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Journal articles

Academic literature on the topic 'Small borrowers'

Author: Grafiati

Published: 18 May 2024

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Journal articles on the topic "Small borrowers"

1

Abdi, Abdikarin Ahmed, Ismail Ahmed Mohamud, and Fatima Mohamed Hussein. "BORROWER'S CHARACTERISTICS AND LOAN REPAYMENT PERFORMANCE AMONG SMALL AND MEDIUM ENTERPRISES IN MOGADISHU, SOMALIA." Journal of Asian and African Social Science and Humanities 9, no. 2 (2023): 87–95. http://dx.doi.org/10.55327/jaash.v9i2.306.

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Loan repayment among small and medium enterprises in Mogadishu has remained a challenge as demonstrated by the low recovery rates recorded by the available financial institutions like commercial banks and microfinance institutions in Somalia. This situation has contributed towards a reduction on profitability margins reported by these financial institutions. This study was set out to establish the effect of borrower's characteristics on loan repayment performance among small and medium enterprises in Mogadishu, Somalia. The information asymmetry theory provided anchorage to the study. It was o

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2

Chaulagain, Ramesh Prasad. "Relationship between Financial Literacy and Behavior of Small Borrowers." NRB Economic Review 29, no. 1 (2017): 33–53. http://dx.doi.org/10.3126/nrber.v29i1.52529.

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Financial literacy is an emerging and common concept both of education and finance. In general, the concept is important for every ones who has to manage the money; the concept plays vital role for low income people and small borrowers in particular. The small borrowers are those who borrow a limited amount of money from the licensed financial institutions. The borrowers are small on the basis of their credit limits determined by Nepal Rastra Bank. In this study, financial literacy, as one of the significant factors to determine the financial behavior of small borrowers, was measured to establ

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3

Comeig, Irene, Esther B. Del Brio, and Matilde O. Fernandez-Blanco. "Financing successful small business projects." Management Decision 52, no. 2 (2014): 365–77. http://dx.doi.org/10.1108/md-01-2012-0051.

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Purpose – The current credit rationing strongly influences the viability of SMEs innovation projects. In this context, the practice of screening borrowers by project success probability has become a paramount consideration for both lenders and firms. The aim of this paper is to test the screening role of loan contracts that consider collateral-interest margins simultaneously. Design/methodology/approach – This paper presents an empirical analysis that uses a unique data set composed of 323 bank loans granted by 28 banks to SMEs backed by a Spanish Mutual Guarantee Institution. Findings – The r

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4

Vinh Vo, Xuan, Tuan Quoc Le, Thi Lam Anh Nguyen, and Hiep Ngoc Luu. "Who Could We Blame? The Impact of Strategic Orientations on the Failure of Financial Institutions." Review of Pacific Basin Financial Markets and Policies 24, no. 02 (2021): 2150011. http://dx.doi.org/10.1142/s0219091521500119.

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We evaluate the impact of strategic orientation on the failure probability of financial institutions. Using the US credit union industry as the empirical setting, we find that credit unions which exhibit preferential treatment to borrowers are more likely to fail, whereas those who set operational strategies towards balancing the benefits between savers and borrowers experience a lower failure probability. The impacts appear to be more pronounced in small credit unions and in credit unions which have a lower operating experience. We also find that borrower-oriented credit unions generate lower

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5

Setiadi, Tedy, Rina Ratih, Nanik Arkiyah, and Gretha Prestisia. "Detection of Book and Borrower Communities Based on Book Borrowing Records in the Library Using Complex Network Analysis." International Conference on Information Science and Technology Innovation (ICoSTEC) 2, no. 1 (2023): 171–76. http://dx.doi.org/10.35842/icostec.v2i1.57.

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To improve user services, libraries need to have deep insight into users and the books they manage. This study aims toidentify the community of users and borrowed books based on book borrowing records using complex network analysis. It starts with collecting book-borrowing data, then converting it into a bipartite book-borrowing network using python programming and visualizing it with Gephi. Network analysis is performed to investigate network properties, and to use the BIMLPA method to find communities. The results of the investigation show that the structure of the book borrowing network is

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6

DeYoung, Robert, Dennis Glennon, and Peter Nigro. "Borrower–lender distance, credit scoring, and loan performance: Evidence from informational-opaque small business borrowers." Journal of Financial Intermediation 17, no. 1 (2008): 113–43. http://dx.doi.org/10.1016/j.jfi.2007.07.002.

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7

Ma, Zhengwei, Wenjia Hou, and Dan Zhang. "A credit risk assessment model of borrowers in P2P lending based on BP neural network." PLOS ONE 16, no. 8 (2021): e0255216. http://dx.doi.org/10.1371/journal.pone.0255216.

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Peer-to-Peer (P2P) lending provides convenient and efficient financing channels for small and medium-sized enterprises and individuals, and therefore it has developed rapidly since entering the market. However, due to the imperfection of the credit system and the influence of cyberspace restrictions, P2P network lending faces frequent borrower credit risk crises during the transaction process, with a high proportion of borrowers default. This paper first analyzes the basic development of China’s P2P online lending and the credit risks of borrowers in the industry. Then according to the charact

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8

Opalo, Vanessa Watters. "Credible risk: private credit bureaus and the work of loan officers in West Africa." Africa 92, no. 4 (2022): 625–43. http://dx.doi.org/10.1017/s0001972022000353.

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AbstractIn 2015, the Central Bank of West African States selected a private credit bureau to build a digital platform to collect and analyse financial data across the eight-country West African Economic and Monetary Union, including the activities of credit cooperatives and microfinance agencies that serve many West African borrowers. The credit-reporting platform promises to produce new and valuable knowledge about borrowers’ creditworthiness and risk. But valuable in what ways and for whom? Private credit bureaus rely on vast arrays of personal and financial data in order to produce credit r

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9

RAHMAN, Ashiqur, Jaroslav BELAS, Tomas KLIESTIK, and Ladislav TYLL. "COLLATERAL REQUIREMENTS FOR SME LOANS: EMPIRICAL EVIDENCE FROM THE VISEGRAD COUNTRIES." Journal of Business Economics and Management 18, no. 4 (2017): 650–75. http://dx.doi.org/10.3846/16111699.2017.1357050.

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The purpose of this paper is to examine the determinants of collateral for small and medium enterprises (smes) in the context of Visegrad countries: Czech Republic, Slovak Republic, Hungary and Poland. The data set for this paper was obtained from the Business Environment and Enterprise Performance Survey (BEEPS), which was conducted by the World Bank and the European Bank for Reconstruction and Development (EBRD) from 2012–2014. A binary logistic regression model with different specifications was employed to examine the effect of independent variables on the incidence of collateral. The resul

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10

Husain, Shaiara, Kazi Tanvir Mahmud, Md Taufiqul Islam, and Md Abdullah Shihab. "Small Credit for Big Opportunities: A Case of BRAC’s Agribusiness Program in Bangladesh." International Journal of Economics and Finance 8, no. 1 (2015): 7. http://dx.doi.org/10.5539/ijef.v8n1p7.

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BRAC provides microcredit to the landless and marginal borrowers to accelerate agribusiness activities in the rural areas. The prime objective of the study was to evaluate the impact of microcredit program on household income of the female borrowers of BRAC. Survey was conducted in the Gazipur district of Bangladesh. Primary data were collected from 417 borrowers who were engaged in agribusiness. Ordinary Least Square (OLS) technique was used to assess the impact of credit on household income. The study shows that the amount of microcredit received by the borrowers made a significant contribut

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