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Birla Institute of Technology and Science (2013)

Development of a Credit Scoring Methodology for Assessment of Microfinance Borrowers

Vaish Arun Kumar

Titre : Development of a Credit Scoring Methodology for Assessment of Microfinance Borrowers

Auteur : Vaish Arun Kumar

Université de soutenance : Birla Institute of Technology and Science

Grade : Doctor of Philosophy (PhD) 2013

Résumé
Since the early national plans policy planners have emphasized on strengthening the link between improving accesses to financial markets and reducing poverty a stance that has had influence globally Newer approaches include the partial deregulating of interest rates new institutional forms for cooperatives that put the emphasis back on intermediating the savings of their members and a nationwide attempt pioneered by non governmental organizations and now supported by the state to create links between commercial banks non governmental organisations NGOs and informal local groups Surveys show that informal sector lenders remain a strong presence in n rural India and are still able to derive competitive advantage over the formal and semi formal sectors India has the largest number of poor in the world Reducing poverty is a key element in our inclusive growth strategy N umerous Schemes for poverty alleviation have not newlinebeen able to deliver benefits commensurate with the investment mad e over years newlineIndebtedness and low employment opportunities are one of the major plausible reasons newlinefor poverty Credit intervention is considered to be an effective tool to eliminate the newlinecurse of poverty and directed lending has taken a centre stage of social lending since nationalisation of banks and creation of regional rural banks NABARD experimented group lending methodology in order to improve efficacy of credit which proliferated exponentially Delivering small size of credit to poor in a cost effect newlineive manner is still a challeng Traditionally micro finance institutions MFIs have used subjective scoring the use of defined parameters such as experience in the business net margin of the business newlineprofitability and disposable income to analyze business and credit risk

Présentation et version intégrale (Shodhganga)

Page publiée le 26 février 2021