Scoring Drop-Out at a Microlender in Bolivia
نویسنده
چکیده
This paper presents a scoring model that predicts the risk of drop-out for borrowers at a microfinance lender in Bolivia. Drop-out risk was greater for women, manufacturers, newer borrowers, and those with more arrears. Out-of-sample tests suggest that scoring may help microfinance lenders to detect segments of their clientele (and even specific current clients) who are at-risk of drop-out. Acknowledgments A later version of this paper appears in Savings and Development, 2003, Vol. 27, No. 2, pp. 101–118. I am thankful for support from the anonymous microlender in Bolivia and from the Division of Asset Building and Community Development of the Ford Foundation. I also thank John Adams, Jonathan Conning, Hans Dellien, Guillermo Rabiela, Loïc Sadoulet, Laura Viganò, and participants at various conferences and seminars. A Spanish version of this paper is available from http:\\www.microfinance.com.
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