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Impact of demographics and loan characteristics on microfinance outcomes: A cross cultural study evaluating the impact of female borrower percentage and loan type on profit and write off ratio

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dc.contributor.advisor Parameswaran, Giri
dc.contributor.author Dai, Xiangruo
dc.date.accessioned 2021-07-12T12:44:09Z
dc.date.available 2021-07-12T12:44:09Z
dc.date.issued 2021
dc.identifier.uri http://hdl.handle.net/10066/23560
dc.description.abstract Microfinance has since its inception been seen as a way of promoting positive change for the "poorest of the poor" (Navajas et al., 2000); within the last decades especially it has seen a great increase in popularity despite conflicting claims regarding its effectiveness. Though numerous studies exist on how microfinance outcomes are affected by certain demographic variables, such as gender, or program characteristics, such as type of loan secured (group vs individual responsibility), little is known about their combined effects on the success of microfinance ventures. In this paper, I evaluated the degree to which the individual effect of a borrower's gender and the loan type that they secure, along with their combined effects are associated with the outcome variables of loan repayment and profit. This was done by using cross-cultural, programme-level data of several thousand microfinance ventures in over 50 countries from MIX Market databse from the World Bank. The results appear to suggest that an increasing proportion of female borrowers as a proportion of total borrowers and an increasing ratio of group loan numbers and group gross loan amounts tended to have significant effects on repayment rates and venture profits. However, results also appear to show that neither the proportion of female borrowers nor proportion of group borrowers or group gross loans were significant after inclusion of year and MFI fixed effects. Further research may be required to determine the exact nature of the relationship of the variables and their implications for microfinance firms seeking to create win-win scenarios for themselves and clients.
dc.description.sponsorship Haverford College. Department of Economics
dc.language.iso eng
dc.rights.uri http://creativecommons.org/licenses/by-nc/4.0/
dc.subject.lcsh Microfinance
dc.subject.lcsh Loans
dc.subject.lcsh Sex role -- economic aspects
dc.subject.lcsh World Bank
dc.title Impact of demographics and loan characteristics on microfinance outcomes: A cross cultural study evaluating the impact of female borrower percentage and loan type on profit and write off ratio
dc.type Thesis
dc.rights.access Dark Archive until 2026-01-01, afterwards Haverford users only.


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