Scoring Drop-Out at a Microlender in Bolivia
AbstractThis paper presents a scoring model that predicts the risk of drop-out for borrowers at a microfinance lender in Bolivia. Drop-out risk was greater for women, manufacturers, newer borrowers, and those with more arrears. Out-of-sample tests suggest that scoring may help microfinance lenders to detect segments of their clientele (and even specific current clients) who are at-risk of drop-out.
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Bibliographic InfoPaper provided by EconWPA in its series Development and Comp Systems with number 0109009.
Date of creation: 05 Sep 2001
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Scoring; credit risk; risk management; financial institutions; microfinance;
Find related papers by JEL classification:
- O54 - Economic Development, Technological Change, and Growth - - Economywide Country Studies - - - Latin America; Caribbean
- O57 - Economic Development, Technological Change, and Growth - - Economywide Country Studies - - - Comparative Studies of Countries
This paper has been announced in the following NEP Reports:
- NEP-ALL-2001-09-10 (All new papers)
- NEP-LAM-2001-09-10 (Central & South America)
- NEP-MFD-2001-09-10 (Microfinance)
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