Microfinance meets the market
Autor(a) principal: | |
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Data de Publicação: | 2023 |
Tipo de documento: | Dissertação |
Idioma: | eng |
Título da fonte: | Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) |
Texto Completo: | http://hdl.handle.net/10362/161193 |
Resumo: | Microlenders despite subsidies typically charge interest rates much higher than normal bank rates. This paper examines the reasonableness of these interest rates in a trend analysis by collecting and analyzing data from more than 3000 microlenders on their determinants of interest rates from 2007 to 2018. The analysis in conjunction with a background study of the market characteristics indicates that the majority of microlenders have become for-profit microlenders, who operate with reasonable levels of interest rates given their associated costs; if the reasonable level is defined as a level where interest rates yield a yearly profit of ~ 3 percent. |
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Microfinance meets the marketMicrofinanceFinancial inclusionCommercializationMicrocredit interest ratesDomínio/Área Científica::Ciências Sociais::Economia e GestãoMicrolenders despite subsidies typically charge interest rates much higher than normal bank rates. This paper examines the reasonableness of these interest rates in a trend analysis by collecting and analyzing data from more than 3000 microlenders on their determinants of interest rates from 2007 to 2018. The analysis in conjunction with a background study of the market characteristics indicates that the majority of microlenders have become for-profit microlenders, who operate with reasonable levels of interest rates given their associated costs; if the reasonable level is defined as a level where interest rates yield a yearly profit of ~ 3 percent.Miguel, AntónioRUNNielsen, Tobias2023-12-13T12:07:21Z2023-01-132023-01-132023-01-13T00:00:00Zinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisapplication/pdfhttp://hdl.handle.net/10362/161193TID:203312627enginfo:eu-repo/semantics/openAccessreponame:Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)instname:Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informaçãoinstacron:RCAAP2024-03-11T05:44:02Zoai:run.unl.pt:10362/161193Portal AgregadorONGhttps://www.rcaap.pt/oai/openaireopendoar:71602024-03-20T03:58:25.224461Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) - Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informaçãofalse |
dc.title.none.fl_str_mv |
Microfinance meets the market |
title |
Microfinance meets the market |
spellingShingle |
Microfinance meets the market Nielsen, Tobias Microfinance Financial inclusion Commercialization Microcredit interest rates Domínio/Área Científica::Ciências Sociais::Economia e Gestão |
title_short |
Microfinance meets the market |
title_full |
Microfinance meets the market |
title_fullStr |
Microfinance meets the market |
title_full_unstemmed |
Microfinance meets the market |
title_sort |
Microfinance meets the market |
author |
Nielsen, Tobias |
author_facet |
Nielsen, Tobias |
author_role |
author |
dc.contributor.none.fl_str_mv |
Miguel, António RUN |
dc.contributor.author.fl_str_mv |
Nielsen, Tobias |
dc.subject.por.fl_str_mv |
Microfinance Financial inclusion Commercialization Microcredit interest rates Domínio/Área Científica::Ciências Sociais::Economia e Gestão |
topic |
Microfinance Financial inclusion Commercialization Microcredit interest rates Domínio/Área Científica::Ciências Sociais::Economia e Gestão |
description |
Microlenders despite subsidies typically charge interest rates much higher than normal bank rates. This paper examines the reasonableness of these interest rates in a trend analysis by collecting and analyzing data from more than 3000 microlenders on their determinants of interest rates from 2007 to 2018. The analysis in conjunction with a background study of the market characteristics indicates that the majority of microlenders have become for-profit microlenders, who operate with reasonable levels of interest rates given their associated costs; if the reasonable level is defined as a level where interest rates yield a yearly profit of ~ 3 percent. |
publishDate |
2023 |
dc.date.none.fl_str_mv |
2023-12-13T12:07:21Z 2023-01-13 2023-01-13 2023-01-13T00:00:00Z |
dc.type.status.fl_str_mv |
info:eu-repo/semantics/publishedVersion |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/masterThesis |
format |
masterThesis |
status_str |
publishedVersion |
dc.identifier.uri.fl_str_mv |
http://hdl.handle.net/10362/161193 TID:203312627 |
url |
http://hdl.handle.net/10362/161193 |
identifier_str_mv |
TID:203312627 |
dc.language.iso.fl_str_mv |
eng |
language |
eng |
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.source.none.fl_str_mv |
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Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informação |
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RCAAP |
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RCAAP |
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Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) |
collection |
Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) |
repository.name.fl_str_mv |
Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) - Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informação |
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1799138165159624704 |