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Tag Archives: Research

Bosnia and Herzegovina: Follow-up study on the risk of over-indebtedness of microcredit clients

This study focused on client over-indebtedness in Bosnia and Herzegovina, levels of which were the highest in the Central and Eastern Europe market. The study results confirm that a sizeable proportion of borrowers in Bosnia and Herzegovina experience difficult financial situations and have problems repaying their debts. Project dates  July – November 2009 Supported by European Fund for Southeast Europe ...

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Bosnia and Herzegovina: Pilot study on access of low-income households to financial services

This study examined the application of customer protection principles, access to financial services and the risk of over-indebtedness among low-income clients in Bosnia Herzegovina. The findings confirmed a high level of indebtedness and, in certain client segments, cross-borrowing and potential risk of over-indebtedness. The study found the interest in and use of financial services other than credit to be rather ...

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Kosovo: Study on the risk of over-indebtedness

This study sought to understand whether there is a problem of (over-)indebtedness among microcredit clients in Kosovo. Through analyzing credit bureau data and conducting surveys with financial institutions and clients, we were able to: understand the debt levels and underlying borrowing patterns of clients identify demand- and supply-side factors influencing over-indebtedness recommend solutions to over-indebtedness. This initiative was endorsed and supported ...

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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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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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Measuring Access to Finance: Developing Evidence-Based Access Policies in Belarus

The project was initiated and managed by the National Bank of Belarus in cooperation with other government agencies and funded by the Alliance for Financial Inclusion (AFI). As part of this project, MFC developed Access to Finance Scorecard(AFS) to capture diverse aspects of access and usage into a comprehensive tool to measure inclusion. The framework equips national-level stakeholders with data to ...

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Overview of the State of Financial Inclusion in Turkey

The project entitled: “Overview of the state of financial inclusion in Turkey” carried out in 2014 was the first initiative to aggregate already available data on access and use of financial services in Turkey to present a more comprehensive picture of the actual state of financial inclusion. The project was funded by MetLife Foundation. Project results “Measuring Financial Inclusion in Turkey” briefing ...

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Measuring Access to Finance: Developing Evidence-Based Access Policies in Poland

The objective of the project carried out in 2014 was to support the consultative process towards improving financial inclusion with comprehensive research evidence on the state of financial inclusion. The project was funded by MetLife Foundation. Read more about our approach here  (in Polish) Project results “Financial Inclusion of Individuals in Poland” – full text in Polish, executive summary in English “Financial Inclusion of ...

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