A social and environmental approach to microfinance credit scoring
نویسندگان
چکیده
منابع مشابه
European Microfinance Credit Risk Management and Credit Scoring
In this paper we provide an analysis of credit risk management and the use of credit scoring among European MFIs. With this aim, we designed and sent a survey to the full set of known MFIs operating in Eastern and Western Europe. 58 MFIs completed the survey. We observe that the European microfinance industry has already dedicated substantial effort to risk management, noting that more than hal...
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In rich countries, lenders often rely on credit scoring—formulae to predict risk based on the performance of past loans with characteristics similar to current loans—to inform decisions and to control costs. Can credit scoring do the same for microfinance lenders in poor countries? This paper argues that scoring does have a place in microfinance. Although scoring is less powerful in poor countr...
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Emerging markets contain the vast majority of the world’s population. Despite the huge number of inhabitants, these markets still lack a proper finance infrastructure. One of the main difficulties felt by customers is the access to loans. This limitation arises from the fact that most customers usually lack a verifiable credit history. As such, traditional banks are unable to provide loans. Thi...
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ژورنال
عنوان ژورنال: Journal of Cleaner Production
سال: 2016
ISSN: 0959-6526
DOI: 10.1016/j.jclepro.2015.09.103