Borrowers’ credit risk factors, perception towards repayment interventions and moral hazard in loan delinquency: an investigation of Indian microfinance institutions

Sangwan, Sunil; Nayak, Narayan Chandra; Harshita, .; Sangwan, Vikas

doi:10.1080/00036846.2021.1946478

Cited by 11 publications

(2 citation statements)

References 28 publications

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“…All these confounding circumstances inadvertently implicate the MFI into RNC. Earlier studies have reported the persistence of RNC in microfinance operations providing shreds of evidence related to the problems of clients’ indebtedness (Ray et al , 2019; Sangwan et al , 2020), multiple borrowing (Puliyakot and Pradhan, 2015), loan default (Nandhi, 2015; Polgreen and Bajaj, 2010), high-interest rates (Sangwan et al , 2021) and repayment periods (Sangwan et al , 2020). To the best of our knowledge, hardly any studies have attempted to cross-verify the stipulated regulation guidelines with the field survey and conduct an empirical assessment of the deviation of the RNC under each prescribed individual guideline.…”

Section: Introductionmentioning

confidence: 99%

Regulatory non-compliances in microfinance operations: a survey of Indian microfinance institutions

Sangwan

Nayak

Sangwan

2023

JFRC

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Purpose Regulation is critical for sustainable microfinance sector growth. Under this premise, the study aims to examine the different regulatory noncompliance (RNC) practices prevalent in the operations of microfinance institutions (MFIs) at the ground level. Design/methodology/approach Both the quantitative and qualitative (observations, interviews and focus group discussions) techniques are used to extract the findings. Findings The study highlights the different RNC practices exercised by the loan officers at the field level in their microfinance loan disbursements. Originality/value This study is based on the primary data collected from microfinance clients. The arguments put forth for the RNC practices are extracted from direct personal interviews with the loan officers and the clients. The role of various dilemmas/circumstances of the loan officers and the beneficiaries that implicate the MFIs in RNC is highlighted.

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Section: Introductionmentioning

confidence: 99%

Regulatory non-compliances in microfinance operations: a survey of Indian microfinance institutions

Sangwan

Nayak

Sangwan

2023

JFRC

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“…A quantitative and qualitative study should be carried out at the beginning of a credit application to minimize this risk [1]. The debt factor generated by overdue payments strongly impacts liquidity levels, which, if not controlled in time, could lead to a crisis in the financial institution [2], [3].…”

Section: Introductionmentioning

confidence: 99%

Mecanismo de alerta temprana para controlar los niveles de morosidad

Gavilanes

2022

Publicare

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El crecimiento de las entidades financieras depende en gran manera del otorgamiento de créditos para sus clientes. En este contrato se establecen los valores y plazos en los que el capital se deberá devolver junto a los intereses y comisiones. La morosidad relacionada con los créditos se origina cuando no se realiza un adecuado análisis y control de las políticas establecidas en cada institución. Por ello en este documento se propone un mecanismo de alerta temprana para el control de los niveles de morosidad. También así como la medición del desempeño de estas instituciones financieras a través de la metodología CAMEL. Esto le permitirá a la alta dirección tomar decisiones prontas y acciones correctivas para evitar una disminución en los niveles de liquidez. También se define un mapa de calor que permita detectar oportunamente el riesgo y así poner mayor énfasis en los que son necesarios. Finalmente se exponen las conclusiones y recomendaciones como una base para futuras investigaciones, que incentiven a los lectores a profundizar o replicar el trabajo elaborado.

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Employee turnover and the credit risk of microfinance institutions (MFIs): International evidence

Hossain

Mia

Hooy

2023

Borsa Istanbul Review

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Borrowers’ credit risk factors, perception towards repayment interventions and moral hazard in loan delinquency: an investigation of Indian microfinance institutions

Cited by 11 publications

References 28 publications

Regulatory non-compliances in microfinance operations: a survey of Indian microfinance institutions

Regulatory non-compliances in microfinance operations: a survey of Indian microfinance institutions

Mecanismo de alerta temprana para controlar los niveles de morosidad

Employee turnover and the credit risk of microfinance institutions (MFIs): International evidence

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