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Progressive Lending in MicrofinanceWhat about the Farmers?

机译：小额信贷中的累进贷款农民呢？

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摘要

Dynamic incentives have become a common measure in microfinance institutions (MFI) to counteract the risk of default and to strengthen the borrower's identification with his micro-lender. This article focuses on progressive lending over the course of the bank-borrower relationship. As the agricultural sector is increasingly important for Azerbaijan's economy, this study differentiates between the lending policies faced by farmers and non-farmers, and matches the findings with the repayment performances of both client groups. By means of a rich data set spanning from 2007 through 2012 provided by an MFI in Azerbaijan, it can be demonstrated that farmers face a higher degree of loan volume rationing that cannot be justified by our findings on repayment performances. Moreover, we find that repeated borrowing increases the default probabilities of both client groups. In conclusion, we deduce that the MFI and borrowers could benefit from reconsidering the current lending policies.
机译：动态激励已成为小额信贷机构（MFI）的一项常见措施，以抵消违约风险并加强借款人对其小额贷款人的认同。本文重点介绍在银行与借款人关系过程中的渐进式贷款。由于农业部门对阿塞拜疆的经济日益重要，因此本研究区分了农民和非农民面临的贷款政策，并将调查结果与两个客户群体的还款表现相匹配。通过阿塞拜疆的小额信贷机构提供的从2007年到2012年的丰富数据集，可以证明农民面临着更高比例的贷款额配给，而我们的还款表现结果无法证明这一点。此外，我们发现重复借入会增加两个客户组的违约概率。总之，我们推断出小额信贷机构和借款人可以从重新考虑当前的贷款政策中受益。

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  • 来源
    《Review of development economics》 |2017年第3期|803-828|共26页
  • 作者

    Hering Imke; Musshoff Oliver;

  • 作者单位

    Georg August Univ Goettingen, Dept Agr Econ & Rural Dev, Pl Goettinger Sieben 5, D-37073 Gottingen, Germany;

    Georg August Univ Goettingen, Dept Agr Econ & Rural Dev, Pl Goettinger Sieben 5, D-37073 Gottingen, Germany;

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