Effect of gender participation on determining the maturity of crossed-due loans: Evidence from microfinance companies of Nepal

Q1 Social Sciences

Banks and Bank Systems Pub Date : 2023-04-03 DOI:10.21511/bbs.18(1).2023.16

Arjun Kumar Dahal, G. Bhattarai, Prem Bahadur Budhathoki

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引用次数: 2

Abstract

The impact of gender participation on the maturity of crossed-due loans is observed in this study. Furthermore, the associations between maturity of crossed-due loans, their number, and loan issued on physical collateral and collective bail are also monitored using the unbalanced panel data of thirty microfinance companies. The study investigates the short- and long-term link between response and predictor variables. It is founded on an exploratory and descriptive research design. The Hausman test, fixed effect or LSDV model, Pedroni and Kao co-integration test are used to observe the relation and impact. The maturity crossed due loan number, total loan amount, loan issued against physical collateral, and loan allocated on collective bail are jointly significant to determine the maturity of crossed due loan amount of microfinance companies of Nepal. It is found that women are more conscientious in repaying loans on time compared to male borrowers. Per rupee 0.382 rupees, a maturity crossed due loan is found in microfinance companies where only women can borrow, but per rupee 0.404 rupees, a time crossed due loan is found where men and women can borrow. Policymakers of banks are not necessarily hesitant to provide loans to female borrowers.

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性别参与对确定交叉到期贷款期限的影响:来自尼泊尔小额信贷公司的证据

本研究观察了性别参与对交叉到期贷款到期的影响。此外，还使用30家小额信贷公司的不平衡面板数据监测了交叉到期贷款的到期日、数量以及以实物抵押品和集体保释发放的贷款之间的关联。该研究调查了反应和预测变量之间的短期和长期联系。它建立在探索性和描述性的研究设计之上。使用Hausman检验、固定效应或LSDV模型、Pedroni和Kao协整检验来观察这种关系和影响。到期跨到期贷款数量、贷款总额、以实物抵押品发放的贷款和集体保释分配的贷款对决定尼泊尔小额信贷公司到期跨到期的贷款金额具有共同重要意义。研究发现，与男性借款人相比，女性在按时偿还贷款方面更加认真。每0.382卢比，在只有女性可以借款的小额信贷公司中可以找到到期交叉贷款，但每0.404卢比，在男性和女性都可以借款的情况下可以找到时间交叉贷款。银行的政策制定者在向女性借款人提供贷款方面并不一定犹豫不决。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Banks and Bank Systems Social Sciences-Law

CiteScore

2.60

自引率

0.00%

发文量

审稿时长

11 weeks

期刊介绍： The journal focuses on the results of scientific researches on monetary policy issues in different countries and regions all over the world. It also analyzes the activities of international financial organizations, central banks, and bank institutions. Key topics: -Monetary Policy in Different Countries and Regions; -Monetary and Payment Systems; -International Financial Organizations and Institutions; -Monetary Policy of Central Banks; -Organizational Structure, Functions and Activities of Central Banks; -State Policy and Regulation of Banking; -Bank Competitiveness; -Banks at the Financial Markets; -Bank Associations and Conglomerates; -International Payment Systems; -Investment Banking; -Financial Risks and Risk Management in Banks; -Capital and Ownership Structure, Bankruptcy and Liquidation, Mergers and Acquisitions of Banks; -Corporate Governance and Goodwill; -Personnel Management in Banks; -Econometric, Statistical Methods; Econometric Modeling of Bank Activities; -Bank Ratings.