The underlying problem is that it is costly to serve micro enterprises in South Africa due to high security costs, collateral constraints and the regulatory bottlenecks that hinder lending. The objective of this
The study aims to identify the determinants of digital financial inclusion (DFI) and its role in micro enterprises’ ease of doing business. The study is based on the World Bank’s Enterprises Survey of Micro Firms (ESM) 2022 data of 998 micro-enterprises. The variables that measure access ...
Johannesburg, South Africa – While microlending disbursements took a mid-year breather, year-on-year growth in the industry continued at a strong pace, showing an increase in disbursements of 30% to R5.77bn ($897 million) and of 8% to R18.5bn ($2.88 billion) on the gross loan book. ...
While developing countries abound with entrepreneurial energy, limited access to capital remains a major obstacle for starting business ventures (Panda and Dash, 2014). In this context, microcredit – lending small amounts of money to otherwise ‘unbankable’ people to start new businesses – ...
Mobile money adoption and response to idiosyncratic shocks: empirics from five selected countries in sub-saharan Africa Technol. Forecast. Soc. Chang. (2021) View more references Cited by (12) How can blockchain-based lending platforms support microcredit activities in developing countries? An empiric...
It takes women longer than it takes men to get the same business loan on kiva.org because (1) women choose bigger loans, (2) women ask for more time to pay back their loans, and (3) because lenders prefer lending to men-owned businesses. Thus, our data suggests that lenders prefer ...
Building Credit Scorecards for Small Business Lending in Developing Markets (Paper by Dean Caire, November 2004)Credit Scoring for Leasing (Paper by Dean Caire, August 2005)All Good?: How Credit Scoring Works in Myanmar (Paper by Dean Caire, February 2019) Outreach and Sustainability (Top)A...
Effect of Microfinance Lending on the Financial Performance of Businesses : A Case Study of Small and Medium Enterprises in Nakuru East Sub-County , Kenya Access to affordable microcredit and business development services such as business training are essential for growth and development of micro and...
Lesson from Group-Based Lending Scheme and Ibn Khaldun's Social Solidarity" finds support for this model in the concept of Asabiyah or social solidarity that is the core of Ibn Kaldun's thought concerning the rise and decline of a civilization. In the Muqaddimah, Ibn Khaldun emphasizes the ...
M. (2013). Effects of Microfinance Lending on Business Performance: A survey of micro and small enterprises in Kitale Municipality, Kenya. International Journal of Academic Research in Business and Social Sciences, 3(7), 56. White, P. (2008). Small and Medium Enterprises in Japan. Yamane, ...