Demand Side Analysis of Microlending Markets in Germany

In developing and transition economies, microlending has become an effective instrument for providing micro businesses with the necessary financial resources to launch operations. In industrialized countries, with their highly developed banking systems, however, there has been ongoing debate on the...

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Bibliographic Details
Main Authors:	Kritikos, Alexander S., Kneiding, Christoph, Germelmann, Claas Christian
Format:	Journal Article
Language:	EN
Published:	2012
Subjects:	Banks Other Depository Institutions Micro Finance Institutions Mortgages G210 Financing Policy Financial Risk and Risk Management Capital and Ownership Structure G320 Entrepreneurship L260
Online Access:	http://hdl.handle.net/10986/4648

id	okr-10986-4648
recordtype	oai_dc
spelling	okr-10986-46482021-04-23T14:02:18Z Demand Side Analysis of Microlending Markets in Germany Kritikos, Alexander S. Kneiding, Christoph Germelmann, Claas Christian Banks Other Depository Institutions Micro Finance Institutions Mortgages G210 Financing Policy Financial Risk and Risk Management Capital and Ownership Structure G320 Entrepreneurship L260 In developing and transition economies, microlending has become an effective instrument for providing micro businesses with the necessary financial resources to launch operations. In industrialized countries, with their highly developed banking systems, however, there has been ongoing debate on the question of whether an uncovered demand for microlending services exists. The present pilot study explores customer preferences for microlending products in Germany. Among the interviewed business owners, 15% reported revolving funding needs and an interest in microloans. We find that potential recipients of microloan products are retail business owners, foreign business owners, and persons who had previously received private loans. Furthermore, financial products should feature rapid access to short-term loans. 2012-03-30T07:29:02Z 2012-03-30T07:29:02Z 2009 Journal Article Jahrbucher Fur Nationalokonomie Und Statistik 00214027 http://hdl.handle.net/10986/4648 EN http://creativecommons.org/licenses/by-nc-nd/3.0/igo World Bank Journal Article Germany
repository_type	Digital Repository
institution_category	Foreign Institution
institution	Digital Repositories
building	World Bank Open Knowledge Repository
collection	World Bank
language	EN
topic	Banks Other Depository Institutions Micro Finance Institutions Mortgages G210 Financing Policy Financial Risk and Risk Management Capital and Ownership Structure G320 Entrepreneurship L260
spellingShingle	Banks Other Depository Institutions Micro Finance Institutions Mortgages G210 Financing Policy Financial Risk and Risk Management Capital and Ownership Structure G320 Entrepreneurship L260 Kritikos, Alexander S. Kneiding, Christoph Germelmann, Claas Christian Demand Side Analysis of Microlending Markets in Germany
geographic_facet	Germany
relation	http://creativecommons.org/licenses/by-nc-nd/3.0/igo
description	In developing and transition economies, microlending has become an effective instrument for providing micro businesses with the necessary financial resources to launch operations. In industrialized countries, with their highly developed banking systems, however, there has been ongoing debate on the question of whether an uncovered demand for microlending services exists. The present pilot study explores customer preferences for microlending products in Germany. Among the interviewed business owners, 15% reported revolving funding needs and an interest in microloans. We find that potential recipients of microloan products are retail business owners, foreign business owners, and persons who had previously received private loans. Furthermore, financial products should feature rapid access to short-term loans.
format	Journal Article
author	Kritikos, Alexander S. Kneiding, Christoph Germelmann, Claas Christian
author_facet	Kritikos, Alexander S. Kneiding, Christoph Germelmann, Claas Christian
author_sort	Kritikos, Alexander S.
title	Demand Side Analysis of Microlending Markets in Germany
title_short	Demand Side Analysis of Microlending Markets in Germany
title_full	Demand Side Analysis of Microlending Markets in Germany
title_fullStr	Demand Side Analysis of Microlending Markets in Germany
title_full_unstemmed	Demand Side Analysis of Microlending Markets in Germany
title_sort	demand side analysis of microlending markets in germany
publishDate	2012
url	http://hdl.handle.net/10986/4648
_version_	1764392249136775168

Demand Side Analysis of Microlending Markets in Germany

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