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For compassion or money? The factors influencing the funding of micro loans

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Author Info

  • Heller, Lauren R.
  • Badding, Kayla D.

Abstract

Aided by the Internet, microfinance institutions have found new ways to expand the reach of financing entrepreneurial projects on a small scale. Using a unique data set of individual loans posted to Kiva.org, we explore the determinants of lenders’ nonprofit lending choices in the growing microfinance industry. We find that lenders make choices in purposive ways even in the absence of market interest rates, especially with respect to the demographic characteristics of borrowers and the uses of proposed funds. Hence, the results provide valuable new information about consumer choice in charitable giving and investment.

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File URL: http://www.sciencedirect.com/science/article/pii/S1053535712000996
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Bibliographic Info

Article provided by Elsevier in its journal Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics).

Volume (Year): 41 (2012)
Issue (Month): 6 ()
Pages: 831-835

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Handle: RePEc:eee:soceco:v:41:y:2012:i:6:p:831-835

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Web page: http://www.elsevier.com/locate/inca/620175

Related research

Keywords: Microfinance; Lending; Preferences; Kiva;

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  1. Jonathan Morduch, 1999. "The Microfinance Promise," Journal of Economic Literature, American Economic Association, vol. 37(4), pages 1569-1614, December.
  2. Matt Flannery, 2007. "Kiva and the Birth of Person-to-Person Microfinance," Innovations: Technology, Governance, Globalization, MIT Press, vol. 2(1-2), pages 31-56, April.
  3. Rajdeep Sengupta & Craig P. Aubuchon, 2008. "The microfinance revolution: an overview," Review, Federal Reserve Bank of St. Louis, issue Jan, pages 9-30.
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