Commercialization and Mission Drift : Evidence from a Large Chinese Microfinance Institution

Commercialization and Mission Drift : Evidence from a Large Chinese Microfinance Institution

Front-line loan officers of microfinance institutions are important in acquiring information on potential borrowers and selecting them in accordance with the microfinance institution's mission. This study uses a unique data set on loan officer...

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Bibliographic Details
Main Authors: Jia, Xiangping, Cull, Robert, Guo, Pei, Ma, Tao
Format: Working Paper
Language:English
en_US
Published: World Bank, Washington, DC 2016
Subjects:
CREDIT PROGRAM
BORROWER
MICROLOAN
LIABILITY
PUBLIC SECTOR COMMERCIAL BANKS
JOINT LIABILITY
STOCK
AMOUNT OF LOANS
INTEREST
DUMMY VARIABLES
EXTERNAL FUNDING
RURAL BANKING
INTEREST RATE
EXCHANGE
FORMAL LOAN
DEVELOPING COUNTRIES
REPAYMENTS
POLITICAL ECONOMY
POSITIVE COEFFICIENT
PORTFOLIO
RURAL CREDIT
CREDIT COOPERATIVES
LOAN
FINANCIAL STATEMENT
CREDITWORTHINESS
LOAN AMOUNT
BORROWERS
GOVERNMENT ASSETS
ASSET MANAGEMENT
LOAN DECISIONS
DUMMY VARIABLE
INFLATION
INTERNATIONAL BANK
STATE BANK
DEVELOPING COUNTRY
LENDER
MICROFINANCE INSTITUTIONS
CENTRAL BANK
MATURITY
SMALL BUSINESS
OVERDUE LOANS
FINANCIAL SUSTAINABILITY
CREDIT COOPERATIVE
GROUP LENDING
LEGAL CONSTRAINTS
REPAYMENT INCENTIVES
FINANCIAL INSTITUTION
COMMERCIAL BORROWING
DISBURSEMENT
COMMERCIAL BANK
PORTFOLIOS
CONTRACTS
POOR BORROWERS
INTEREST RATES
LENDING DECISIONS
FINANCIAL INSTITUTIONS
LOCAL GOVERNMENT
LOAN REPAYMENTS
LOAN MATURITY
LENDERS
LOANS
CREDIT PROGRAMS
AGRICULTURAL BANK
INVENTORY
LOAN SIZES
LEGAL FRAMEWORK
FINANCE
PORTFOLIO QUALITY
LOAN TERMS
SMALL LOANS
INDIVIDUAL LOAN
IPO
TRANSACTION
RURAL FINANCE
LOAN REPAYMENT
REPAYMENT HISTORIES
GOOD
REPAYMENT HISTORY
CREDIT PROVIDERS
REPAYMENT DIFFICULTIES
FUTURE
CREDIT ACCESS
MICRO LOAN
RETURNS
REPAYMENT
FINANCIAL PERFORMANCE
REPAYMENT RATES
DISBURSEMENTS
CREDIT HISTORIES
INFORMAL PROVIDERS
LOAN PORTFOLIO
SHARES
FACE VALUE
BALANCE SHEET
TRANSACTION COSTS
DEFAULT
LOAN QUALITY
MARKET
COMMERCIAL BANK LOAN
POSTAL SAVINGS
LOAN OFFICER
MICROCREDIT
OVERHEAD COSTS
MICROFINANCE
BANK LOAN
GOVERNMENT SUBSIDIES
LOAN OFFICERS
LOAN APPLICATIONS
INVESTMENT
COMMERCIAL BANKS
SHARE
CREDIT RATIONING
LOAN PORTFOLIOS
COLLATERAL
POVERTY
FINANCIAL RISKS
GROUP GUARANTEE
LOAN SIZE
REVENUE
PROFIT
FINANCIAL SUPPORT
RISK MANAGEMENT
CONSUMER PRICE INDEX
LENDING
CHECK
REPAYMENT PERFORMANCE
RISK AVERSION
PROFITS
OUTSTANDING LOANS
LIABILITIES
DURABLES
GUARANTEE
SAVINGS BANK
DEVELOPMENT BANK
INCOME LEVEL
MICROFINANCE INSTITUTION
MICROENTERPRISES
Online Access:http://documents.worldbank.org/curated/en/2016/05/26396730/commercialization-mission-drift-evidence-large-chinese-microfinance-institution
http://hdl.handle.net/10986/24519

Internet

http://documents.worldbank.org/curated/en/2016/05/26396730/commercialization-mission-drift-evidence-large-chinese-microfinance-institution
http://hdl.handle.net/10986/24519

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