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Loan demand by microfinance borrowers

Author

Listed:
  • Vijeta Singh
  • Puja Padhi

Abstract

Purpose - The purpose of this paper is to explore what determines the loan size/demand in a micro-finance group and makes comparative account of self-help groups and joint liability groups. Design/methodology/approach - Using primary data and carried out survey (questionnaire and focus group discussion) for data collection. While for econometrics OLS regression has been used. Findings - The study finds that employment, landownership and years spent by members in group has positive impact on loan demand by micro finance borrowers. Research limitations/implications - This study points out the fact that economic variables along with group characteristics has positive implication on loan demand by borrowers. Practical implications - This study would propel further research in group dynamics in micro-finance area. Social implications - This study attempts to bring out the fact that economic position of micro-finance members along with its group status has bearing on its loan demand position. Originality/value - The authors conducted this study using primary data, and all the collected data and study bring out the fact that older membership in groups are positive for loan demand by borrowers.

Suggested Citation

  • Vijeta Singh & Puja Padhi, 2017. "Loan demand by microfinance borrowers," International Journal of Social Economics, Emerald Group Publishing Limited, vol. 44(12), pages 1892-1905, December.
    • Handle: RePEc:eme:ijsepp:ijse-02-2016-0066
    DOI: 10.1108/IJSE-02-2016-0066
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