Reject inference is the problem of inferring the good and bad properties of those customers who have not been accepted for a loan. We present a reject inference method based on the confidence interval of a median survival time to delayed repayment. In this method, survival model is built based on the accepted applicant data and is applied to the rejected applicant. If the lower limit of the 90%...

A student loans scheme (SLS) came into effect recently in Thailand, covering both upper secondary and tertiary level schooling. The central objective of the scheme is social — to increase access of poor students and to prevent student dropout. The loans scheme is highly subsidized owing to the extremely favorable repayment conditions, which in turn calls into question the longer-term financial ...

President Obama has challenged Americans to improve their communities and country through service to others. There are many ways one can serve others but few ways one can do this and benefit financially from one’s service. The National Health Service Corps (NHSC) offers physicians and others in health care a way to do exactly this. With a $300 million expansion from the American Recovery and Re...

Somali microfinance finance institute (SMFI) was established to provide inclusive financial services rural and urban poor households with the ultimate goal of poverty alleviation in regional state. Even though SMFI is working better upgrade itself a licensed bank-Shabelle Bank showing livelihood improvement for region so far, loan repayment problems are currently major challenge facing institut...

BACKGROUND HIV/AIDS negatively impacts poverty alleviation and food security, which reciprocally hinder the rapid scale up and effectiveness of HIV care programs. Nyanza province has the highest HIV prevalence (15.3%), and is the third highest contributor (2.4 million people) to rural poverty in Kenya. Thus, we tested the feasibility of providing a micro-irrigation pump to HIV-positive farmers ...

This study explores the role played by gender in lending transactions and specifically its effects on loan portfolio credit risk of microfinance institutions (MFIs). Using a multicountry data set developing countries, where MFIs mainly operate, analysis shows that higher proportion female officers increases at risk. Nonetheless, we also find this positive relationship is negatively mediated aff...

Farmers use credit from commercial credit providers to finance production activities. Commercial credit providers have to predict the financial sustainability of the enterprise to ensure that the borrower will have the ability to repay the loan. A Delphi study was conducted to explore what factors are used as indicators of loan-repayment ability of farmers. The objective was not only to identif...