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Title:Demand side analysis of microlending markets in Germany PDF Logo
Authors:Kritikos, Alexander S.
Kneiding, Christoph
Germelmann, Claas Christian
Issue Date:2009
Series/Report no.:IZA Discussion Papers 4292
Abstract:In developing and transition economies, microlending has become an effective instrument for providing micro businesses with the necessary financial resources to launch operations. In the industrialized countries, with their highly developed banking systems, however, there has been ongoing debate on the question of whether an uncovered demand for microlending services exists. The present pilot study explores customer preferences for microlending products in Germany. Among the interviewed business owners, 15% reported revolving funding needs and an interest in microloans. We find that potential recipients of microloan products are retail business owners, foreign business owners, and persons who had previously received private loans. Furthermore, financial products should feature rapid access to short-term loans.
Subjects:Entrepreneurship
microlending
market research
JEL:G21
D12
M31
Persistent Identifier of the first edition:urn:nbn:de:101:1-20090824207
Document Type:Working Paper
Appears in Collections:Publikationen von Forscherinnen und Forschern des DIW
IZA Discussion Papers, Forschungsinstitut zur Zukunft der Arbeit (IZA)

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