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    <title>EconStor Community:</title>
    <link>https://hdl.handle.net/10419/313576</link>
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        <rdf:li rdf:resource="https://hdl.handle.net/10419/313589" />
        <rdf:li rdf:resource="https://hdl.handle.net/10419/313592" />
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    <dc:date>2026-04-30T21:59:13Z</dc:date>
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  <item rdf:about="https://hdl.handle.net/10419/313589">
    <title>Credit risk in microfinance industry: Evidence from sub-Saharan Africa</title>
    <link>https://hdl.handle.net/10419/313589</link>
    <description>Title: Credit risk in microfinance industry: Evidence from sub-Saharan Africa
Authors: Chikalipah, Sydney
Abstract: Paradoxically, a plethora of empirical evidence in the traditional banking industry claims that smaller loans are associated with higher risk and the exact opposite is true for large loans. In this study we investigate these claims by estimating the relationship between loan sizes and credit risk in the microfinance industry. The sample used for our analysis incorporates over 2000 annual observations, and 632 microfinance institutions drawn from 37 countries of the sub-Saharan African (SSA) region over the period 1995 to 2013. Using the GMM technique, our estimates indicate that credit risk is positively related to loan sizes among microfinance institutions operating in SSA. Our findings have significant implications for the portfolio managers of microfinance institutions operating in SSA, particularly in light of the current wave of mobile money services in many countries.</description>
    <dc:date>2018-01-01T00:00:00Z</dc:date>
  </item>
  <item rdf:about="https://hdl.handle.net/10419/313592">
    <title>Institutions, inward foreign direct investment, trade openness and credit level in emerging market economie</title>
    <link>https://hdl.handle.net/10419/313592</link>
    <description>Title: Institutions, inward foreign direct investment, trade openness and credit level in emerging market economie
Authors: Nguyen Phuc Canh; Schinckus, Christophe; Thanh Dinh Su; Chong, Felicia
Abstract: This study investigates the effects of institutional quality, inward FDI, trade openness, and their interaction on the domestic credit equilibrium in 33 emerging economies between 2002 and 2015. Through two system-GMM estimators, our study shows that inward FDIs have a booming effect on the domestic credit in emerging market economies while the trade openness exhibits a crowding-out effects. Institutions help moderating these effects of inward FDIs and trade openness on the domestic credit suggesting a particular policy.</description>
    <dc:date>2018-01-01T00:00:00Z</dc:date>
  </item>
  <item rdf:about="https://hdl.handle.net/10419/313593">
    <title>Determinants of the non-life insurance market in Brazil</title>
    <link>https://hdl.handle.net/10419/313593</link>
    <description>Title: Determinants of the non-life insurance market in Brazil
Authors: Cavalcante, Renata Telles; Sobreiro, Vinicius Amorim; Kimura, Herbert
Abstract: The objective of this study is to analyse the relationship of economic growth and financial development as determinants of NLI premium consumption, using data from a highly volatile economic environment. The empirical results revealed a positive relationship among economic growth, credit, and the NLI market in Brazil. Results also suggest Granger bi-causality between economic growth and NLI premiums in Brazil.</description>
    <dc:date>2018-01-01T00:00:00Z</dc:date>
  </item>
  <item rdf:about="https://hdl.handle.net/10419/313598">
    <title>Determinants of credit risk in the banking system in Sub-Saharan Africa</title>
    <link>https://hdl.handle.net/10419/313598</link>
    <description>Title: Determinants of credit risk in the banking system in Sub-Saharan Africa
Authors: Mpofu, Trust R.; Nikolaidou, Eftychia
Abstract: This paper investigates the macroeconomic determinants of credit risk in the banking system of 22 Sub-Saharan African economies. We measure credit risk as the ratio of non-performing loans to total gross loans (NPLs) and employ dynamic panel data methods over the period 2000-2016. Using a variety of specifications, the results show that an increase in real GDP growth rate has a statistically and economically significant reducing effect on the ratio of non-performing loans to total gross loans. Furthermore, inflation rate, domestic credit to private sector by banks as a percent of GDP, trade openness, VIX as a proxy of global volatility, and the 2008/2009 global financial crisis, all have positive and significant impact on NPLs.</description>
    <dc:date>2018-01-01T00:00:00Z</dc:date>
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