Credit risk in Islamic microfinance institutions: The role of women, groups, and rural borrowers
<p dir="ltr">Using international data, we find that Islamic MFIs experience reduced credit risk by offering more groups loans, serving more women, and serving more borrowers in rural locations. Conventional MFIs benefit from fewer group loans, less loans to rural borrowers, and a gre...
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2023
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| _version_ | 1864513543625244672 |
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| author | Toka S. Mohamed (17316967) |
| author2 | Mohammed M. Elgammal (17316970) |
| author2_role | author |
| author_facet | Toka S. Mohamed (17316967) Mohammed M. Elgammal (17316970) |
| author_role | author |
| dc.creator.none.fl_str_mv | Toka S. Mohamed (17316967) Mohammed M. Elgammal (17316970) |
| dc.date.none.fl_str_mv | 2023-03-01T00:00:00Z |
| dc.identifier.none.fl_str_mv | 10.1016/j.ememar.2022.100994 |
| dc.relation.none.fl_str_mv | https://figshare.com/articles/journal_contribution/Credit_risk_in_Islamic_microfinance_institutions_The_role_of_women_groups_and_rural_borrowers/24474628 |
| dc.rights.none.fl_str_mv | CC BY 4.0 info:eu-repo/semantics/openAccess |
| dc.subject.none.fl_str_mv | Economics Applied economics Econometrics Human society Development studies Microfinance Credit risk Islamic microfinance Risk management Financial inclusion |
| dc.title.none.fl_str_mv | Credit risk in Islamic microfinance institutions: The role of women, groups, and rural borrowers |
| dc.type.none.fl_str_mv | Text Journal contribution info:eu-repo/semantics/publishedVersion text contribution to journal |
| description | <p dir="ltr">Using international data, we find that Islamic MFIs experience reduced credit risk by offering more groups loans, serving more women, and serving more borrowers in rural locations. Conventional MFIs benefit from fewer group loans, less loans to rural borrowers, and a greater focus on female borrowers. Our results contribute to microfinance and financial inclusion literature by highlighting the potential of tapping into the social dynamics within Muslim communities. We present encouraging insights for Islamic MFIs donors and managers on the possibility of promoting the financial inclusion of women and rural borrowers without compromising the quality of the credit portfolio.</p><h2>Other Information</h2><p dir="ltr">Published in: Emerging Markets Review<br>License: <a href="http://creativecommons.org/licenses/by/4.0/" target="_blank">http://creativecommons.org/licenses/by/4.0/</a><br>See article on publisher's website: <a href="https://dx.doi.org/10.1016/j.ememar.2022.100994" target="_blank">https://dx.doi.org/10.1016/j.ememar.2022.100994</a></p> |
| eu_rights_str_mv | openAccess |
| id | Manara2_8da462de7f3aadf908609aa599f06266 |
| identifier_str_mv | 10.1016/j.ememar.2022.100994 |
| network_acronym_str | Manara2 |
| network_name_str | Manara2 |
| oai_identifier_str | oai:figshare.com:article/24474628 |
| publishDate | 2023 |
| repository.mail.fl_str_mv | |
| repository.name.fl_str_mv | |
| repository_id_str | |
| rights_invalid_str_mv | CC BY 4.0 |
| spelling | Credit risk in Islamic microfinance institutions: The role of women, groups, and rural borrowersToka S. Mohamed (17316967)Mohammed M. Elgammal (17316970)EconomicsApplied economicsEconometricsHuman societyDevelopment studiesMicrofinanceCredit riskIslamic microfinanceRisk managementFinancial inclusion<p dir="ltr">Using international data, we find that Islamic MFIs experience reduced credit risk by offering more groups loans, serving more women, and serving more borrowers in rural locations. Conventional MFIs benefit from fewer group loans, less loans to rural borrowers, and a greater focus on female borrowers. Our results contribute to microfinance and financial inclusion literature by highlighting the potential of tapping into the social dynamics within Muslim communities. We present encouraging insights for Islamic MFIs donors and managers on the possibility of promoting the financial inclusion of women and rural borrowers without compromising the quality of the credit portfolio.</p><h2>Other Information</h2><p dir="ltr">Published in: Emerging Markets Review<br>License: <a href="http://creativecommons.org/licenses/by/4.0/" target="_blank">http://creativecommons.org/licenses/by/4.0/</a><br>See article on publisher's website: <a href="https://dx.doi.org/10.1016/j.ememar.2022.100994" target="_blank">https://dx.doi.org/10.1016/j.ememar.2022.100994</a></p>2023-03-01T00:00:00ZTextJournal contributioninfo:eu-repo/semantics/publishedVersiontextcontribution to journal10.1016/j.ememar.2022.100994https://figshare.com/articles/journal_contribution/Credit_risk_in_Islamic_microfinance_institutions_The_role_of_women_groups_and_rural_borrowers/24474628CC BY 4.0info:eu-repo/semantics/openAccessoai:figshare.com:article/244746282023-03-01T00:00:00Z |
| spellingShingle | Credit risk in Islamic microfinance institutions: The role of women, groups, and rural borrowers Toka S. Mohamed (17316967) Economics Applied economics Econometrics Human society Development studies Microfinance Credit risk Islamic microfinance Risk management Financial inclusion |
| status_str | publishedVersion |
| title | Credit risk in Islamic microfinance institutions: The role of women, groups, and rural borrowers |
| title_full | Credit risk in Islamic microfinance institutions: The role of women, groups, and rural borrowers |
| title_fullStr | Credit risk in Islamic microfinance institutions: The role of women, groups, and rural borrowers |
| title_full_unstemmed | Credit risk in Islamic microfinance institutions: The role of women, groups, and rural borrowers |
| title_short | Credit risk in Islamic microfinance institutions: The role of women, groups, and rural borrowers |
| title_sort | Credit risk in Islamic microfinance institutions: The role of women, groups, and rural borrowers |
| topic | Economics Applied economics Econometrics Human society Development studies Microfinance Credit risk Islamic microfinance Risk management Financial inclusion |