文章基本信息

标题：DETERMINANT OF MICROCREDIT REPAYMENT
本地全文：下载
作者：Farida Farida ; Hermanto Siregar ; Nunung Nuryartono 等
期刊名称：Bulletin Ekonomi Moneter dan Perbankan
印刷版ISSN：1410-8046
电子版ISSN：2460-9196
出版年度：2016
卷号：19
期号：1
页码：57-80
DOI：10.21098/bemp.v19i1.600
出版社：Bank Indonesia
摘要：This paper investigate the determinants of microcredit repayment by employing the logistic regression on micro-business households in Pati, Central Java. The result of this study reveals that loan repayment affected significantly by the business lines, food consumption spending, side job, other loan sources, collateral, and credit constrained. Interestingly, the result concludes that the loan repayment are no longer influenced by moral hazard, since the characteristics such as gender, education level, age, experience do not significantly encourage borrowers to repay. This paper also conform the important role of peer-screening process on hindering the credit default.
关键词：micro-credit; repayment; credit constrained; moral hazard