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Search Results: 1 - 10 of 12885 matches for " Credit Repayment Performance "
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Gender Issues in Microfinance and Repayment Performance: The Case of a Nicaraguan Microfinance Institution
Silvia L. Saravia-Matus,Jimmy A. Saravia-Matus
Encuentro , 2012,
Abstract: Conventional wisdom and increasing empirical evidence in microfinance hold that women are better risks than men. In the present work, a logit model ontrolling for a range of borrower and loan characteristics was carried out to assess the validity of this statement by comparing repayment rates. The study includes a sample of loans disbursed by a Nicaraguan microfinance institution during the years 2003-2004, a period characterized by high oil prices. A dichotomous dependent variable is created,taking the value of 1 if the credit turned out to be of the best quality i.e. an “A” credit by Nicaraguan regulations, and 0 otherwise. The dependent variable is regressed on variables summarizing the characteristics of the borrower and the loan to investigate the impact of gender on repayment performance. The results provide significant evidence that female client’s repayment performance is in fact better than that of male’s at the conventional levels of statistical significance. However, the results also show that the perceived difference in gender risk is lower than what popular wisdom would suggest when borrower characteristics and other exogenous economic variables are taken into account. With the present sample, we conclude that other characteristics of the borrower as well as changes in the economic environment can have a similar or larger impact on risk than gender when it comes to repayment performance.
THE GENDER SIDE OF LENDING: ARE FEMALES BETTER BORROWERS?
Michael Adusei,Sarpong Appiah
Economics and Finance Review , 2011,
Abstract: The study employs binary logistic regression analysis to investigate the gender side of lending using crosssectional data from 198 credit unions collected from the Credit Union Association (CUA) of Ghana. Contrary to anecdotal and empirical evidence in the literature, evidence adduced in this paper underpins the conclusion that female borrowers are not better than their male counterparts. Consequently, the paper contends that lenders in Ghana should not expect any improvement in their loan repayment performance if they lend more to females. Instead, lenders who contemplate better repayment performance should strengthen their management and integrate group lending into their lending operations.
El pago de servicios públicos: Garantía para la devolución de microcréditos del programa ?Ciudadanía Plena? en Maracaibo, Venezuela
González de Kauffman,Marina;
Revista de Ciencias Sociales , 2009,
Abstract: in 1998, several organizations agreed to develop the program-process ?full citizenship? - pcp -, which focused on promoting citizen values to build self-management capacities in the local population utilizing training strategies and micro-credit. national funds granted in 2003 permitted the program?s municipal expansion, but its purpose is self-sustainability through capitalization of the micro-credit funds, which means that repayment is strategic. this work intends to demonstrate that the interpretation of indicators related to the payment of public utilities could be reliable for diminishing uncertainty with regard to credit repayments and to provide proposals for implementing the analysis of those indicators.
Determinants of Loan Repayment Performance Among Women Self Help Groups in Bayelsa State, Nigeria
George M.M. Ugbomeh,Felix Odemero Achoja,Victor Ideh,Albert Ukaro Ofuoku
Agriculturae Conspectus Scientificus (ACS) , 2008,
Abstract: This paper investigated the determinants of loan repayment performance among women self-help groups in Bayelsa State, Nigeria. A structured questionnaire was used to gather information from one hundred and twelve (112) women farmers from eight communities within the States, using the multistage sampling technique. The study revealed that credit was available for agricultural production, processing and petty trading among women farmers. The mean amount of loan disbursed to farmers was N18,147.3 while the mean amount of N15,000 was repaid. Loan repayment percentage was determined to be 83.73% while percentage default was 17.27%. The estimated regression model indicated that women as household heads (X2), interest rate (X3) and household size (X4), negatively and significantly affected the loan repayment performance of women farmers while price stability of farm proceeds (X5) and commitment to self help groups (X6), positively and significantly affected the loan repayment of women farmers in self help groups in the area. It was therefore recommended that more self help credit/saving groups be established in the state and that financial institutions within the state should form a linkage with this groups for efficient loan scheme.
Analysis of rural credit market performance in north west region, Cameroon
M.-J. Bime,J. A. Mbanasor
AGRIS on-line Papers in Economics and Informatics , 2011,
Abstract: The study was conducted to access the performance of rural credit markets in the North West Region of Cameroon. Specifically, it identifies the various participants in credit markets, estimate as and analysis the credit demand and supply functions. Data were primarily gathered through a multi-stage sampling technique involving 360 households and 60 credit institutions. Results reveal that interest, income, household size, farm size, education age and sex of respondents were determinants of credit demand while Interest paid, gross income and source of loan determined credit supply. It was recommended that interest should be kept low to encourage proper functioning of credit markets.
On the Evaluation of Performance System Incorporating “Green Credit” Policies in China’s Financial Industry  [PDF]
Lan Xu
Journal of Financial Risk Management (JFRM) , 2013, DOI: 10.4236/jfrm.2013.22005
Abstract:

The main work of this paper is aimed, through utilizing the two-stage optimization theory, to estimate the green distance functions and Malmquist green growth indexes for the China’s main commercial banks and relevant financial institutions, and to further set up an overall appraisal index system to assess their performance in implementing the “Green Credit” principles. The paper also analyzes effects of the “Green Credit” policies influential on revenue achievements, as well as performs a decomposition analysis of the above impacts. The carry-outs of the paper may serve as useful references and guiding means in achievingChina’s economic transitional strategies of sustainable development.

Effects of Bank Credit on Industrial Performance in Nigeria
Tawose J.O. B.
International Business and Management , 2012, DOI: 10.3968/j.ibm.1923842820120402.0175
Abstract: This paper investigates the effect of bank loans and advances on industrial performance in Nigeria between 1975 and 2009. Co-integration and Error Correction technique was adopted for the analysis. The results showed that industrial performance co-integrated with all the identified explanatory variables. Industrial sector as dependent variable is proxied by real GDP, while Commercial Banks’ Loan and Advances to Industrial Sector (BLM), Aggregate Saving (SAV), Interest rate (INT), Inflation Rate (INF) are the independent variables. This suggests that the behavior of real Gross Domestic Product contributed by industrial sector in Nigeria is significantly explained by the commercial banks’ loan and advances to industrial sector, aggregate saving, interest rate and inflation rate. The findings implies that every action towards infrastructural development, strengthening of commercial banks, deregulation of interest rate, encouragement of saving among rural dwellers and reduction of inflation rate will boost the performance of industrial sector significantly. Key words: Bank credit; Industrial performance; Nigeria
Aplica??o da análise envoltória de dados em cooperativas de crédito rural
Vilela, Dirley Lemos;Nagano, Marcelo Seido;Merlo, Edgard Monforte;
Revista de Administra??o Contemporanea , 2007, DOI: 10.1590/S1415-65552007000600006
Abstract: the cooperative form of the organization has been an important option for the development of small organizations. however, as well as it occurs in other organizations, the cooperatives need to be evaluated using the category of efficiency to evaluate how was his activities performance. the efficiency evaluation is very important for these categories of organizations because the cooperatives own an administration that should attend the needs to yours several cooperated. in this work was accomplished the application of the denominated method data envelopment analysis (dea) to evaluate the performance of rural credit cooperatives of s?o paulo state. the accomplished study show that the cooperatives that had larger resources managed was able to obtain better performance, concerning your operation goal (credit concession). one of the most important results, evidenced in the study, was that the cooperatives that had larger resources managed obtained better efficiency rates when considered the total relation assets and administrative expenses relatively to the volume of conceded credit. the results obtained show that the dea can be an interesting alternative option for evaluation performance.
Determinants of institutional credit repayment performance among farmers in Afikpo North LGA of Ebonyi state, Nigeria
Ifeanyi N. Nwachukwu,C. Samuel Alamba,Anthony Oko-Isu
Advances in Agriculture & Botanics , 2010,
Abstract: Utilization and repayment of borrowed agricultural funds has been one of the numerous ofagricultural development in the developing world and Nigeria is no exception. As such, this studydelved into the determinants of loan repayment performance among farmers in Afikpo North LocalGovernment Area (LGA) of Ebonyi State, Nigeria. The study employed purposive sampling techniquein the selection of location and respondents. A sample of 100 small holder agricultural loanbeneficiaries from Nigeria Agricultural Cooperative and Rural Development Bank (NACRDB) served asrespondents for the study. A set of pretested and structured questionnaire was used to elicit data andinformation from the respondents. Data were analyzed using discriminant analysis. The discriminantfunction analysis result showed that 72% of the beneficiaries were operating performing loans while28% were non-performing loan beneficiaries. On the basis of the results, the study suggestedextensive loan periods and adoption of income support measures as panacea for efficient creditdelivery and utilization among farmers.
Mathematical Model of Housing Loans  [PDF]
Xiangrong Li
Modern Economy (ME) , 2010, DOI: 10.4236/me.2010.13019
Abstract: Currently, that individual use housing mortgage loans to buy houses has become a hot topic, and residents are very concerned about the debt repayment ways of individual housing mortgage loans. In this paper, using the time value of money principle, we establish equal principal and interest repayment model. Furthermore we test its validation and illustrate its specific application with an example in the economic life.
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