Assessing Factors Affecting The Repayment Rate of Microfinance Institutions : A Case Study of Village Credit Institutions of Gianyar, Bali  

Oleh:

Arsyad, Lincolin

Jenis: Article from Journal - ilmiah nasional - tidak terakreditasi DIKTI
Dalam koleksi: International Journal of Business vol. 8 no. 2 (Mei 2006), page 247-273.
Topik: MICROFINANCE; informal institutions; microfinance institutions; repayment rate

Ketersediaan

Perpustakaan Pusat (Semanggi) Nomor Panggil: II51.5 Non-tandon: 1 (dapat dipinjam: 0) Tandon: tidak ada

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Isi artikel

This paper attempts to assess the influence of several factors on the repayment rate of the Village Credit Institutions (Lembaga Perkreditan Desa or simply LPD s) in Gianyar district in Bali. Using a quantitative approach (logistic model) the findings of this study indicate that the Balinese social custom, including social values, norms, and sanctions (informal institutions) have an influence on sustaining the high repayment rate of the LPD s. This finding conforms to the some previous studies using institutional approach that reveal the high repayment rate of the LPD s in Gianyar district is influenced by their institutional arrangement that based on custom regulation which includes social norms, sanctions, and involvement of custom village leader in screening process and contractual enforcement of loan (informal institutions), by regulations set up by the Central Bank (formal institutions), and by the mechanism of collecting loan repayments applied by the LPD s management.

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