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Tag Archives: Over-indebtedness

Kyrgyzstan: Research on indebtedness and repayment performance

In this study, MFC analyzed data from the CIB “Ishenim” credit bureau, which manages borrower information from around 50 financial institutions (banks and MFIs) in Kyrgyzstan. The objectives were to: measure clients’ level of debt use understand patterns of credit use identify credit use characteristics and demographic features of clients with repayment problems explore financial institutions’ perspectives on the drivers ...

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Azerbaijan: Study on the risk of over-indebtedness of microcredit clients

This study on the risk of over-indebtedness in the ECA region was carried out in partnership with the Azerbaijan Micro Finance Association (AMFA). The objectives were to: Understand the debt levels and underlying borrowing patterns of clients Identify demand and supply factors that influence over-indebtedness Recommendations solutions for over-indebtedness in the country. Project dates May 2011 – August 2012 Supported ...

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Bosnia and Herzegovina: Indebtedness Revisited: the Level of indebtedness of MSME Credit Customers and the Quality of Finance

This report analyses the level of indebtedness of MSME credit customers and the quality of finance in Bosnia and Herzegovina (BiH). The objectives of the follow-up study in 2013 were to: assess the current level of indebtedness and repayment performance of micro, small and medium enterprises (MSMEs) and retail borrowers in BiH, examine the factors – on both the demand ...

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Lebanon: Measuring Indebtedness Levels of Low-Income Borrowers

The goal of the study was to measure indebtedness levels of active microcredit clients at individual and household level in Lebanon. For this purpose, the study aimed at identifying current tendencies in the Lebanese sector and at increasing the overall transparency within the sector. Project dates November 2014 – 2016 Supported by SANAD Fund for MSMEs  

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European Union: Measuring Over-indebtedness: Indicators, Data, Reporting

  Project Dates: 1st January – 31 December 2014 Supported by European Commission MFC Policy paper: Debt, Borrowing and Over-indebtedness: A Country-Level Monitoring Framework Full text; Summary paper MFC presentation on availability of indicators in the EU- EESC Conference in Brussels 12th Dec. 2014 DG SANCO report on over-indebtedness in the EU  

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Over-indebtedness of microfinance clients

Since 2008, MFC has studied drivers and deterrents of client over-indebtedness through annual MFI mapping studies and targeted country studies Our work reveals worrying trends around the scale of multiple borrowing and cross-borrowing from different financial institutions. The major lessons emerging include: Key drivers of repayment problems: Number of loans: clients with multiple loans are more likely delay payments Loan ...

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