Evaluation of commercial loans to small industries in developing countries: empirical analysis using Colombian data
Autor(a) principal: | |
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Data de Publicação: | 1982 |
Tipo de documento: | Artigo |
Idioma: | por |
Título da fonte: | Revista de Administração Pública |
Texto Completo: | https://periodicos.fgv.br/rap/article/view/11457 |
Resumo: | The most apparent way to promote small scale industry in developing countries is to increase its access to credit. In most developing countries, however, small scale enterprises can not obtain credit through the commercial banking system, mainly because the administrative costs involved in such lending are high. If available, the provision and use of efficient and simple evaluation criteria for small scale lending would reduce the concomitant administrative costs and thereby serve to increase commercial lending to small business enterprises. This paper examines the viability of such an alternative procedure for loan evaluation, involving the use of credit scoring techniques with Colombian data. The Author's conclusion is that such evaluation techniques, at least for the Colombian industries included in his data set, offer considerable promise for lending institutions. |
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Evaluation of commercial loans to small industries in developing countries: empirical analysis using Colombian dataEvaluación de los créditos comerciales a las pequeñas industrias de los países en desarrollo: análisis empírico utilizando datos colombianosAvaliação dos empréstimos comerciais para a pequena indústria nos países em desenvolvimento: análise empírica utilizando dados colombianos The most apparent way to promote small scale industry in developing countries is to increase its access to credit. In most developing countries, however, small scale enterprises can not obtain credit through the commercial banking system, mainly because the administrative costs involved in such lending are high. If available, the provision and use of efficient and simple evaluation criteria for small scale lending would reduce the concomitant administrative costs and thereby serve to increase commercial lending to small business enterprises. This paper examines the viability of such an alternative procedure for loan evaluation, involving the use of credit scoring techniques with Colombian data. The Author's conclusion is that such evaluation techniques, at least for the Colombian industries included in his data set, offer considerable promise for lending institutions. O estímulo às empresas de pequeno porte nos países em desenvolvimento é de modo geral considerado desejável, por várias razões. Tais empresas são, normalmente, mais intensivas em mão-de-obra do que as firmas maiores e seu fomento, presumivelmente, pode reduzir o subemprego e diminuir a desigualdade na distribuição da renda. Servem, além disso, de campo de treinamento tanto para empresários quanto para trabalhadores qualificados. Um dos principais problemas enfrentados por essas empresas, na maioria dos países em desenvolvimento, é o do acesso ao crédito, seja para financiamento de operações em curso, seja para expansão.Fundação Getulio Vargas (FGV EBAPE)1982-09-25info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionapplication/pdfhttps://periodicos.fgv.br/rap/article/view/11457Brazilian Journal of Public Administration; Vol. 16 No. 1 (1982); 61 a 80Revista de Administração Pública; Vol. 16 Núm. 1 (1982); 61 a 80Revista de Administração Pública; v. 16 n. 1 (1982); 61 a 801982-31340034-7612reponame:Revista de Administração Públicainstname:Fundação Getulio Vargas (FGV)instacron:FGVporhttps://periodicos.fgv.br/rap/article/view/11457/10405Tyler, William G.info:eu-repo/semantics/openAccess2013-09-25T13:51:56Zoai:ojs.periodicos.fgv.br:article/11457Revistahttps://ebape.fgv.br/publicacoes/rapONGhttps://old.scielo.br/oai/scielo-oai.php||rap@fgv.br1982-31340034-7612opendoar:2013-09-25T13:51:56Revista de Administração Pública - Fundação Getulio Vargas (FGV)false |
dc.title.none.fl_str_mv |
Evaluation of commercial loans to small industries in developing countries: empirical analysis using Colombian data Evaluación de los créditos comerciales a las pequeñas industrias de los países en desarrollo: análisis empírico utilizando datos colombianos Avaliação dos empréstimos comerciais para a pequena indústria nos países em desenvolvimento: análise empírica utilizando dados colombianos |
title |
Evaluation of commercial loans to small industries in developing countries: empirical analysis using Colombian data |
spellingShingle |
Evaluation of commercial loans to small industries in developing countries: empirical analysis using Colombian data Tyler, William G. |
title_short |
Evaluation of commercial loans to small industries in developing countries: empirical analysis using Colombian data |
title_full |
Evaluation of commercial loans to small industries in developing countries: empirical analysis using Colombian data |
title_fullStr |
Evaluation of commercial loans to small industries in developing countries: empirical analysis using Colombian data |
title_full_unstemmed |
Evaluation of commercial loans to small industries in developing countries: empirical analysis using Colombian data |
title_sort |
Evaluation of commercial loans to small industries in developing countries: empirical analysis using Colombian data |
author |
Tyler, William G. |
author_facet |
Tyler, William G. |
author_role |
author |
dc.contributor.author.fl_str_mv |
Tyler, William G. |
description |
The most apparent way to promote small scale industry in developing countries is to increase its access to credit. In most developing countries, however, small scale enterprises can not obtain credit through the commercial banking system, mainly because the administrative costs involved in such lending are high. If available, the provision and use of efficient and simple evaluation criteria for small scale lending would reduce the concomitant administrative costs and thereby serve to increase commercial lending to small business enterprises. This paper examines the viability of such an alternative procedure for loan evaluation, involving the use of credit scoring techniques with Colombian data. The Author's conclusion is that such evaluation techniques, at least for the Colombian industries included in his data set, offer considerable promise for lending institutions. |
publishDate |
1982 |
dc.date.none.fl_str_mv |
1982-09-25 |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion |
format |
article |
status_str |
publishedVersion |
dc.identifier.uri.fl_str_mv |
https://periodicos.fgv.br/rap/article/view/11457 |
url |
https://periodicos.fgv.br/rap/article/view/11457 |
dc.language.iso.fl_str_mv |
por |
language |
por |
dc.relation.none.fl_str_mv |
https://periodicos.fgv.br/rap/article/view/11457/10405 |
dc.rights.driver.fl_str_mv |
info:eu-repo/semantics/openAccess |
eu_rights_str_mv |
openAccess |
dc.format.none.fl_str_mv |
application/pdf |
dc.publisher.none.fl_str_mv |
Fundação Getulio Vargas (FGV EBAPE) |
publisher.none.fl_str_mv |
Fundação Getulio Vargas (FGV EBAPE) |
dc.source.none.fl_str_mv |
Brazilian Journal of Public Administration; Vol. 16 No. 1 (1982); 61 a 80 Revista de Administração Pública; Vol. 16 Núm. 1 (1982); 61 a 80 Revista de Administração Pública; v. 16 n. 1 (1982); 61 a 80 1982-3134 0034-7612 reponame:Revista de Administração Pública instname:Fundação Getulio Vargas (FGV) instacron:FGV |
instname_str |
Fundação Getulio Vargas (FGV) |
instacron_str |
FGV |
institution |
FGV |
reponame_str |
Revista de Administração Pública |
collection |
Revista de Administração Pública |
repository.name.fl_str_mv |
Revista de Administração Pública - Fundação Getulio Vargas (FGV) |
repository.mail.fl_str_mv |
||rap@fgv.br |
_version_ |
1798943770946830336 |