Determinant of Microcredit Repayment  

Oleh:

Farida ; Siregar, Hermanto ; Nuryartono, Nunung ; KP, Eka Intan

Jenis: Article from Journal - ilmiah nasional - terakreditasi DIKTI
Dalam koleksi: Bulletin of Monetary Economics and Banking (ex: Buletin Ekonomi Moneter dan Perbankan) vol. 19 no. 1 (Jul. 2016), page 57-80.
Topik: micro-credit; repayment; credit constrained; moral hazard
Fulltext: Determinant of Microcredit Repayment.pdf (988.17KB)

Isi artikel

This paper investigate the determinants of microcredit repayment by employing the logistic regression on micro-business households in Pati, Central Java. The result of this study reveals that loan repayment affected significantly by the business lines, food consumption spending, side job, other loan sources, collateral, and credit constrained. Interestingly, the result concludes that the loan repayment are no longer influenced by moral hazard, since the characteristics such as gender, education level, age, experience do not significantly encourage borrowers to repay. This paper also conform the important role of peer-screening process on hindering the credit default.

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