Results 11 to 20 of about 417,790 (293)
Banking on cooperation: an evolutionary analysis of microfinance loan repayment behaviour
Evolutionary Human Sciences, 2021 Microfinance is an economic development tool that provides loans to low-income borrowers to stimulate economic growth and reduce financial hardship. Lenders typically require joint liability, where multiple borrowers share the responsibility of repaying ...
Stefan Gehrig +2 more
doaj +1 more source
Transaction cost of micro and small enterprises financing
Economic Journal of Emerging Markets, 2016 High transaction costs become one of the obstacles for the micro and small enterprises (MSEs) to access financial loans to the bank. In order to minimize the transaction costs, group lending scheme become alternative, so that both sides are pay lower ...
Ghana Atma Sulistya, Darwanto Darwanto
doaj +13 more sources
The effects of person-organization fit on lending behaviors: Empirical evidence from Kiva
Journal of Management Science and Engineering, 2022 Donation-based crowdfunding, as part of impact investment, plays a vital role in promoting economic development and alleviating poverty. In order to enhance the lender's enthusiasm for lending behavior, some platforms, for example Kiva, have introduced ...
Hongke Zhao +4 more
doaj +1 more source
Business: Theory and Practice, 2023 The Community Empowerment Trust Fund is a revolving fund belonging to the community originating from the former Sub-District Development Program and the National Program for Independent Rural Community Empowerment in Indonesia which ended in 2014 ...
Etty Indriani +3 more
doaj +1 more source
Group lending and the role of the group leader [PDF]
Small Business Economics, 2009 This paper investigates strategic monitoring behavior within group lending. We show that monitoring efforts of group members differ in equilibrium due to the asymmetry between members in terms of future profits. In particular, we show that the entrepreneur with the highest future profits also puts in the highest monitoring effort.
van Eijkel, R. +2 more
openaire +2 more sources
Group versus Individual Lending in Microfinance [PDF]
, 2008 Microfinance is typically associated with joint liability of group members. However, a large part of microfinance institutions rather offers individual instead of group loans. We analyze the incentive mechanisms in both individual and group contracts.
Lehner, Maria
core +4 more sources
Group lending with endogenous group size [PDF]
Economics Letters, 2012 This paper focuses on the size of the borrower group in group lending. We show that, when social ties in a community enhance borrowers'incentives to exert eort, a pro…t-maximizing …nancier chooses a group of limited size. Borrowers that would be fundable under moral hazard but have insu¢ cient social ties do not receive funding.
Bourjade, Sylvain, Schindele, Ibolya
openaire +3 more sources
Cogent Economics & Finance, 2022 This study examines the factors affecting farmers’ access to formal credit in Basona Worana District, North Showa Zone, Amhara Regional State, Ethiopia. The study used cross-sectional data while conducting a survey. It was conducted from November 2019 to
Shewit Kiros, Getamesay Bekele Meshesha
doaj +1 more source
Do Islamic banks have their benchmarks for financing rates in the dual-banking system?
Cogent Economics & Finance, 2023 This study examines whether conventional bank lending rates influence Islamic bank financing rates in Indonesia and Malaysia that apply the dual-banking system.
Agus Widarjono, Abdur Rafik
doaj +1 more source
Group lending without joint liability [PDF]
Journal of Development Economics, 2016 This paper contrasts individual liability lending with and without groups to joint liability lending. We are motivated by an apparent shift away from the use of joint liability by microfinance institutions, combined with recent evidence that a) converting joint liability groups to individual liability groups did not affect repayment rates, and b) an ...
de Quidt, Jonathan +2 more
openaire +4 more sources