The impact of mobile financial services’ usage on microfinance delinquency

Toni Mora*, Francesc Prior

*Autor corresponent d’aquest treball

Producció científica: Article en revista indexadaArticleAvaluat per experts

7 Cites (Scopus)

Resum

This paper studies the impact of Mobile Financial Systems’ usage on microcredit delinquency ratios in Tunisia by using either a two-part model or matching econometric procedures. Our large dataset contains all of the administrative registers that belong to the six branches of Enda, the incumbent Institution leader in Tunisia. We find a significant reduction of 4.92 days of late repayment for an average user of MFS in an environment where 15% of loans have been paid late at least once. We foresee a tremendous opportunity to improve the MFIs’ repayment ratios and, consequently, provide microcredit customers with more financing for income generating activities.

Idioma originalAnglès
Pàgines (de-a)5354-5365
Nombre de pàgines12
RevistaApplied Economics
Volum50
Número50
DOIs
Estat de la publicacióPublicada - 27 d’oct. 2018
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