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首页> 外文期刊>Margin: The Journal of Applied Economic Research >Creditworthiness of a Borrower and the Selection Process in Micro-finance: A Case Study from the Urban Slums of India
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Creditworthiness of a Borrower and the Selection Process in Micro-finance: A Case Study from the Urban Slums of India

机译：借款人的信誉和小额信贷的选择过程：以印度城市贫民窟为例

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摘要

This article examines whether urban micro-finance institutions (MFIs) consider proxy/ hidden collateral in the absence of physical as well as social collateral in judging the creditworthiness of a borrower. MFIs operating in urban slums often adopt an individual lending mechanism since borrowers are not willing to bear joint liability due to the acute problem of migration. Therefore, urban MFIs that offer individual loans are extra-cautious about minimising default risk This article studies whether MFIs consider ownership of a room in a slum as a hidden selection criterion in a loan programme. Room ownership indicates stability in a particular location, and also indicates the income-generation capability of an aspirant borrower. We use a primary survey database collected from a non-governmental organisation, Navnirman Samaj Vtkas Kendra, which provides microcredit in four slums of north Mumbai in India. We find that the probability of getting selected in a micro-credit programme is significantly higher if a loan applicant owns a room than if the applicant lives in a rented room. MFIs appear to be more concerned about shielding themselves from default than fulfilling the broad goal of maximising social welfare by reaching the poorest of the poor. We present our study with the caveat that the results may not be generalisable, since they are based on a case study.
机译：本文探讨了在判断借款人的信誉度时，在没有实物和社会抵押的情况下，城市小额信贷机构（MFI）是否考虑使用代理人/隐性抵押品。在城市贫民窟经营的小额信贷机构通常采用个人贷款机制，因为借款人由于严重的移民问题不愿承担连带责任。因此，提供小额贷款的城市小额信贷机构在尽量减少违约风险方面格外谨慎。本文研究了小额信贷机构是否将贫民窟的房间所有权视为贷款计划中的隐藏选择标准。房间所有权表示特定位置的稳定性，还表示有抱负的借款人的创收能力。我们使用从非政府组织Navnirman Samaj Vtkas Kendra收集的主要调查数据库，该组织在印度孟买北部的四个贫民窟提供小额信贷。我们发现，如果贷款申请人拥有一个房间，则其在微额信贷计划中被选中的可能性要大大高于其所居住的房间。小额信贷机构似乎更关心保护自己免受违约的侵害，而不是通过达到最穷的穷人来实现最大化社会福利的广泛目标。我们向我们的研究提出警告，因为结果是基于案例研究的，因此结果可能无法推广。

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