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A socio-economic study of the borrowing process: The case of microentrepreneurs in Jordan

  • Dutta, Dilip
  • Magableh, Ihab

This paper investigates the socio-economic determinants of four stages of borrowing process of the Jordanian microfinance market. The equations and functions corresponding to the stages of the borrowing process are estimated using a sample of 474 microentrepreneurs. The main results are as follow: variables that reflect the repayment ability are the main determinants of credit rationing in the microfinance market; religious beliefs, social responsibilities, availability of local microfinance providers, application costs, level of knowledge about microfinance providers significantly affect the borrowing process of microentrepreneurs. Credit rationing is found to be a problem for some applicants, but not for the majority.

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Paper provided by University of Sydney, School of Economics in its series Working Papers with number 7.

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Date of creation: Aug 2004
Date of revision:
Handle: RePEc:syd:wpaper:2123/7646
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  1. Heckman, James J, 1979. "Sample Selection Bias as a Specification Error," Econometrica, Econometric Society, vol. 47(1), pages 153-61, January.
  2. repec:tpr:qjecon:v:105:y:1990:i:1:p:219-34 is not listed on IDEAS
  3. Tang, Shui-Yan, 1995. "Informal credit markets and economic development in Taiwan," World Development, Elsevier, vol. 23(5), pages 845-855, May.
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