Microcredit client risk profiling

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.

Department dc:contributor.department

Sloan School of Management.

Grantor dc:publisher

Massachusetts Institute of Technology

Year dc:date.issued

2004

Author dc:creator

• Nicholson, Colin D., 1961-

Advisor dc:contributor.advisor

• Richard M. Locke.

• Sloan School of Management.

Statement dc: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. See provided URL for inquiries about permission.

Licence dc:rights.uri

• http://dspace.mit.edu/handle/1721.1/7582

Language dc:language.iso

eng

Handle dc:identifier.uri

http://hdl.handle.net/1721.1/17892

OAI identifier oai:identifier

oai:dspace.mit.edu:1721.1/17892