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Ihtifaz, 2019 The MSMEs (Micro, Small and Medium Enterprises) mentioned by the government as the backbone of the Indonesian economy are also still many that have not been touched by financial services or are unbankable.
Yulianti Manan
doaj +1 more source
Determinants of Moral Hazard in Microfinance: Empirical Evidence from Joint Liability Lending Programs in Malawi [PDF]
Moral hazard is widely reported as a problem in credit and insurance markets, mainly arising from information asymmetry. Although theorists have attempted to explain how group lending with joint liability can be an important tool for mitigating moral ...
Zeller, Manfred, Simtowe, Franklin
core
Quantifying the Sites of Government, Commercial, and Personal Systems‐Perpetrated Financial Abuse
Australian Journal of Social Issues, EarlyView.ABSTRACT This study explores the institutional systems through which post‐separation financial abuse is perpetrated. While existing measures seek to quantify the harms experienced by women post‐separation, this study draws on financial, welfare and legal service casefiles to identify where such harms occur. Drawing on 76 de‐identified Victorian service
Kay Cook +3 more
wiley +1 more source
Group-lending: Sequential financing, lender monitoring and joint liability [PDF]
We develop a simple model of group-lendingbased on peer monitoring and moral hazard. We find that, in the absence of sequential financing or lender monitoring, group-lending schemes may involve under-monitoring with the borrowers investing in undesirable
Prabal Roy Chowdhury
core
A discussion on the ethical issues in peer-to-peer network monitoring [PDF]
, 2012 Peer-to-peer networks have gained a significant amount of popularity since their inception, being used in a wide variety of contexts; both legal and illegal.
Sabooniha, N. +4 more
core
Australian Journal of Social Issues, EarlyView.ABSTRACT People impacted by alcohol and other drugs (AOD) are supported across a range of health and social service settings, often by workers in generalist roles who may not have specialist training. Vocational education and training (VET) plays a key role in equipping AOD workers with the knowledge and skills required for practice, yet there is no ...
Kirrilly Thompson +6 more
wiley +1 more source
‘Shelter is a Dignity’: Rental Racism, Stress and Housing (In)justice
Australian Journal of Social Issues, EarlyView.ABSTRACT Australia's private rental sector is in crisis, and culturally and racially minoritised renters face compounded harms through both covert and everyday direct forms of rental racism. Drawing on five community‐based focus groups in Melbourne (n = 37), the paper explores how racism manifests across the rental pathway and how it structures the ...
Erika Martino +3 more
wiley +1 more source
Cohesion Without Consensus: Attitudinal Profiles of Social Cohesion in Australia
Australian Journal of Social Issues, EarlyView.ABSTRACT Headline indicators of social cohesion in Australia have remained stable in recent years despite rising political polarisation and declining institutional trust worldwide. Yet recent protests and incidents of ethnically and politically motivated violence suggest that cohesion may be under strain. If cohesion is understood not as the pursuit of
John van Kooy
wiley +1 more source
How Media Represent Australian Indigenous Business: Comparing Australian and International Coverage
Australian Journal of Social Issues, EarlyView.ABSTRACT Media representations of Indigenous business shape public perceptions, investor confidence and consumer demand, influencing how Indigenous enterprises are valued and understood. This Indigenous‐led study systematically reviews grey literature on Australian Aboriginal and Torres Strait Islander businesses published between 2006 and 2024 ...
Maria Raciti +3 more
wiley +1 more source
Loan Pricing in Peer-to-Peer Lending
Journal of Risk and Financial ManagementLenders writing loans in the peer-to-peer market carry risk with the anticipation of an expected return. In the current implementation, many lenders do not have an exit strategy beyond holding the loan for the full repayment term. Many would-be lenders are deterred by the risk of being stuck with an illiquid investment without a method for adjusting to
Maloney, David D. +2 more
openaire +1 more source