{"id":{"repo_id":"mit","oai_identifier":"oai:dspace.mit.edu:1721.1/17892"},"canonical_url":"https://search.dev.ndltd.org/etd/mit/oai:dspace.mit.edu:1721.1/17892","repository":{"repo_id":"mit","name":"MIT","base_url":"https://dspace.mit.edu/oai/request"},"display":{"title":"Microcredit client risk profiling","abstract":"Analysis of new and renewing microborrower risk behaviors at the Mexican microfinance institution FinComun shows that risk behavior can be predicted. The range of risk behaviors analyzed include: incidence of late payments, maximum number of weeks in arrears, and default. Males generally exhibited somewhat riskier patterns of credit behavior than females. Tools are provided for defining and predicting risky credit behavior. The implication is that these tools can be used to improve the management of credit risk and, therefore, improve the effectiveness of the microfinance program.","abstract_html":"Analysis of new and renewing microborrower risk behaviors at the Mexican microfinance institution FinComun shows that risk behavior can be predicted. The range of risk behaviors analyzed include: incidence of late payments, maximum number of weeks in arrears, and default. Males generally exhibited somewhat riskier patterns of credit behavior than females. Tools are provided for defining and predicting risky credit behavior. The implication is that these tools can be used to improve the management of credit risk and, therefore, improve the effectiveness of the microfinance program.","abstract_has_math":false,"creators":["Nicholson, Colin D., 1961-"],"institution":"Massachusetts Institute of Technology","degree_name":null,"degree_level":null,"degree_discipline":null,"degree_department":"Sloan School of Management.","school":null,"contributors":[],"advisors":["Richard M. Locke."],"committee_chairs":[],"committee_members":[],"year":2004,"date_issued":"2004","date_published":"2004","updated_at":"2026-07-22T22:21:30Z","subjects":["Sloan School of Management."],"languages":["eng"],"rights":["M.I.T. theses are protected by copyright. They may be viewed from this source for any purpose, but reproduction or distribution in any format is prohibited without written permission. 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The range of risk behaviors analyzed include: incidence of late payments, maximum number of weeks in arrears, and default. Males generally exhibited somewhat riskier patterns of credit behavior than females. Tools are provided for defining and predicting risky credit behavior. The implication is that these tools can be used to improve the management of credit risk and, therefore, improve the effectiveness of the microfinance program."]},{"key":"dc:description.degree","label":"Dc Description Degree","values":["M.B.A."]},{"key":"dc:format.mimetype","label":"Dc Format Mimetype","values":["application/pdf"]},{"key":"dc:title","label":"Title","values":["Microcredit client risk profiling"]}]}],"canonical_facts":{"dc:contributor.advisor":["Richard M. 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