Tag Archives: Responsible Finance

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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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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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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