INTRODUCTION There is an ongoing shortage of rural healthcare providers relative to urban healthcare providers worldwide. Many strategies have been implemented to increase the distribution of rural healthcare providers, and financial incentives such as loan repayment programs have become popular means to both recruit and retain healthcare providers in rural communities. Studies detailing the ef...

Given the substantial amount of resources currently invested in microcredit programs, it is more important than ever to accurately assess the extent to which peer monitoring by borrowers faced with group liability contracts actually reduces moral hazard. We conduct a field experiment with women about to enter a group loan program in Paraguay and then gather administrative data on the members’ r...

This paper presents a framework for estimating losses for residential mortgage loans. At the core is a transitions-based probability of default model which yields directly observable cash-flows at the loan level. The estimated model includes coefficients on unemployment, Loan to Value ratio and interest rates, all of which allow a macroeconomic scenario to be fed through the model and impact lo...

As an important supplement to my country's financial institutions, micro-loan companies serve "agriculture, rural areas and farmers", small micro enterprises, individuals, a certain extent, alleviating the financing difficulties of such groups regulating private finance. However, only lend but do not deposit. In process lending, due inadequate risk management, problem has become increasingly pr...

Francesco Viti ∗ , Delft University of Technology, Department of Civil Engineering, Section Transport and Planning, Stevinweg 1, 2628CN Delft, The Netherlands and Katholieke Universiteit Leuven, Department of Civil Engineering, Section Traffic and Infrastructure, Kasteelpark Arenberg 40, 3001 Heverlee, Belgium. Henk J. Van Zuylen, Delft University of Technology, Department of Civil Engineering,...

Kiva is an online philanthropic crowdsourcing platform that connects lenders with the borrowers in the third world. It is via the stories conveyed by the loan descriptions that the lenders get to know the borrowers and make the decision to help. In this project we study how the loan descriptions affect the funding speed of the loans. We train recurrent neural networks and long short-term memory...