This article deals with the issue of client solvency in microfinance. Microfinance includes all financial products and services designed for a public excluded from traditional banking circuits. The development these microfinances is very important makes it possible to reduce unemployment rate. However, lack customer management complex. In this article, we propose microfinance technique based on...

Abstract We use the EBA capital exercise of 2011 as a quasinatural experiment to investigate how requirements affect various measures bank solvency risk. show that, while regulatory improve, nonregulatory indicate deterioration in response higher requirements. The decline is driven by permanent reduction banks’ market value equity. This finding consistent with profitability, rather than reprici...