Gender And Micro-Credit: Who Repays? Evidence from New Brunswick (abstract only)  

Oleh:

Alam, Jasmine

Jenis: Article from Proceeding
Dalam koleksi: The International Symposium on Social Sciences (TISSS) and Hong Kong International Conference on Education, Psychology and Society (HKICEPS) at Hongkong, December 2013, page 1032.
Topik: Micro-finance; Banking and Finance; Business Economics
Fulltext: Hong Kong-Conference 183.pdf (219.58KB)

Isi artikel

The emergence of micro-credit and its ability to reduce poverty through unique lending models has gained the attention of the banking world and academia alike. The growing literature in micro-finance affirms the validity and benefits of micro-credit programs on multiple levels (Armendariz de Aghion and Morduch, 2005; Islam, 2007; Khandker, 1998) and in various communities and contexts. Many institutions offering micro-credit through group lending models have shown that risks of default are reduced through joint liability and cooperation. These institutions have also focused primarily on lending to women due to differences in spending behaviors and repayment problems associated with men. The current study assessed the application of micro-credit (using individual lending models) at a local micro-finance institution over a ten-year period. Results affirmed that the repayment rate among women borrowers was significantly higher than the repayment rate among men borrowers. Since the research findings were based on individual lending models, these observations suggest that women are a better credit risk for institutions, even in absence of joint liability.

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