每个信贷员的借款人数量是否影响小额信贷机构的资产质量?随机前沿分析

IF 0.6 4区经济学 Q4 ECONOMICS

Investigacion Economica Pub Date : 2017-04-01 DOI:10.1016/j.inveco.2016.11.007

Debdatta Pal , Subrata K. Mitra

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引用次数: 13

摘要

采用随机前沿分析，本文探讨了每个贷款人员的借款人数量与小额信贷机构(mfi)资产质量之间是否存在权衡关系，该资产质量由风险投资组合价值表示。它使用的数据集包含了2006-2013年期间来自109个国家的1575家小额信贷机构的信息。我们发现确凿的证据表明，每个贷款人员的借款人数量与小额信贷机构的资产质量之间没有权衡关系，这与传统观点相悖。我们表明，小额信贷机构在不损害资产质量的情况下获得了规模经济的好处。这些发现在所有所有权类型中都很重要，无论存款状况如何。

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Does the number of borrowers per loan officer influence microfinance institution asset quality? A stochastic frontier analysis

Employing stochastic frontier analysis, this paper explores whether there is trade-off between the number of borrowers per loan officer and microfinance institution (mfi) asset quality, represented by the portfolio value at risk. It uses a dataset with information from 1,575 mfis from 109 countries for the period 2006-2013. We find corroborative evidence that there is no trade-off between the number of borrowers per loan officer and mfi asset quality, which contravenes the conventional wisdom. We show that mfis have reaped the benefit of economies of scale without compromising asset quality. These findings remain significant across ownership types and regardless of deposit-taking status.

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来源期刊

Investigacion Economica ECONOMICS-

CiteScore

1.00

自引率

0.00%

发文量

期刊介绍： It is a specialized journal, bilingual (Spanish and English), plural and critical, which accepts and publishes scientific research articles in national and international economy. It is considered a public good that belongs to the University and society. Its vocation is to analyze the evolution of the theoretical and practical economics. In its pages the paradigms of economics, history of economic thought, the theories and debates about economic policy and its consequences, the diagnosis of the Mexican economy, the economic development of Latin America and the problems spread the world economy in general. It is a journal that does not discriminate plural none paradigm; theoretical orientation is unorthodox for epistemological reasons, not ideological preferences.