Based on the survey data of 364 peasant households in Yibin, Sichuan, this paper analyzes the farmer’s willingness to small forest tenure mortgage loans. The result indicates a high willingness up to 74.2%, i.e. the farmers are willing to invest forest tenure mortgage loans into forestry and agricultural production. The influential factors on farmer’s willingness to small forest tenure mortgage...

What characteristics of fintech lending platforms improve access to funding and increase financial inclusion? We build a computational model platform that is used study the endogenous loan network formation process on platform. Given multidimensional nature inclusion, we address what factors influence number loans, level investment/debt, how those relate distribution investment/debt across agen...

SMEs in developing countries play significant role in the economic activities of those nations. SMEs provide income for many low income households especially in the informal sector. Notwithstanding their contributions, SME entrepreneurs face serious financial challenges which have led to poverty among them. For SMEs to overcome their financial challenges, Micro Finance Institutions have emerged...

The Centre for European Policy Studies (CEPS) is an independent policy research institute in Brussels. Its mission is to produce sound policy research leading to constructive solutions to the challenges facing Europe. As a research institute, CEPS takes no position on matters of policy. The views expressed are entirely those of the author. Acknowledgments: The author would like to thank Els Des...

This paper uses unique SME loan-level data complete with quarterly loan ratings assigned by the lending institution over the period 2008-2010. This allows us to examine the evolution of loan performance throughout the period of economic and financial crisis. We document the shift in the distribution of loans across ratings as economic conditions deteriorated, but also show that this effect was ...

This paper explores the potential presence of credit constraints confronting Irish SMEs and investigates the impact of these constraints on firms’ employment and investment. Using new survey data collected by the Department of Finance, we define firms as credit rationed or discouraged borrowers and link these constraints to employment and the propensity to invest. We find a negative and signifi...

Research Summary When evaluating Internet-based loan project of small and medium size enterprises (SME), lenders can rely on easy-to-understand risk ratings or more sophisticated financial information. We investigate decisions its effect funding success the marketplace-lending platform Zencap. The data set has been provided by Zencap includes 414 SME marketplace loans 2,196 lenders. examined pr...