Suryani, Embun and Hermanto, Hermanto and Hidayati, Siti Aisyah and Putra, I Nyoman Nugraha Ardana and Syah, Donny Oktavian (2021) ARTIKEL B-50: Lending Relationship in the Traditional Credit Market — Implications for Credit Risk Management Strategy in Micro Credit Institutions. Journal of International Commerce, Economics and Policy, 12 (1). pp. 1-20. ISSN 1793-9941
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Abstract
Asymmetric information increases the credit rationing of micro-enterprises. Lender–borrowerrelationships help to provide this information, thereby increasing the availability of loans. Thisstudy aims to investigate the relationship between micro-lenders and micro clients. It is ac�complished by describing how such relationships are developed, and analyzing these rela�tionships’ impact on the availability and credit term using multivariate regression. The results showed that the strength of lender–borrower relationships positively impacted credit access, butit did not significantly impact the credit term. Furthermore, the amount of income and loanpurpose, as the proxies of business characteristics, negatively impacted credit access. Theseresults highlight the critical role of the lender–borrower relationship and business characteristicsin the risk management strategy and the sustainability of microfinance institutions
| Item Type: | Article |
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| Keywords (Kata Kunci): | Asymmetric information; relationship intensity; loan access; interest rate; micro�finance; micro borrower |
| Subjects: | A General Works > AI Indexes (General) |
| Divisions: | Fakultas Ekonomi |
| Depositing User: | Dr. I Nyoman Nugraha Ardana Putra |
| Date Deposited: | 30 Jun 2021 05:55 |
| Last Modified: | 30 Jun 2021 05:55 |
| URI: | http://eprints.unram.ac.id/id/eprint/22458 |
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