Microfinance meets the market

Detalhes bibliográficos
Autor(a) principal: Nielsen, Tobias
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.
id RCAP_b4d386f3e2ac7a173131ff02e0e313fd
oai_identifier_str oai:run.unl.pt:10362/161193
network_acronym_str RCAP
network_name_str Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)
repository_id_str 7160
spelling 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 reponame:Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)
instname:Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informação
instacron:RCAAP
instname_str Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informação
instacron_str RCAAP
institution RCAAP
reponame_str 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
repository.mail.fl_str_mv
_version_ 1799138165159624704

Registros relacionados