중남미
연구정보
[경제] Give Me a Pass : Flexible Credit for Entrepreneurs in Colombia
콜롬비아 국외연구자료 연구보고서 - World Bank 발간일 : 2022-11-17 등록일 : 2022-11-20 원문링크
Microcredit promised business growth for small firms lacking access to banking loans. Although microcredit has reached millions, recent randomized evaluations find limited average business impacts. Critics often blame contract rigidity, specifically the fixed and frequent installments, for the lack of productive risk-taking. But such rigidity may instill borrower discipline. This study partnered with a Colombian lender that offered first-time borrowers a flexible loan that permitted delaying up to three monthly repayments. The study finds 0 effects for revenue and profits but increases in loan defaults. The evidence thus aligns with established microlender practice of offering rigid contracts to first-time borrowers.
본 페이지에 등재된 자료는 운영기관(KIEP) 및 EMERiCs의 공식적인 입장을 대변하고 있지 않습니다.
| 이전글 | [정치] Gabriel Boric Assumes Office in Chile | 2022-11-13 |
|---|---|---|
| 다음글 | [경제] Pollution and Labor Productivity : Evidence from Chilean Cities | 2022-11-20 |
