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Autor:innen: 
Erscheinungsjahr: 
2015
Quellenangabe: 
[Journal:] KDI Journal of Economic Policy [ISSN:] 2586-4130 [Volume:] 37 [Issue:] 3 [Publisher:] Korea Development Institute (KDI) [Place:] Sejong [Year:] 2015 [Pages:] 55-74
Verlag: 
Korea Development Institute (KDI), Sejong
Zusammenfassung: 
This study examines the effect of a one-on-one outsourced pre-lending consulting service on the repayment behavior of microcredit borrowers in Korea with administrative data from the Smile Microcredit Bank. A random change in the cut-off loan amount for mandatory consulting is utilized as an identification strategy. This three-day pre-lending business consulting service is effective in encouraging repayment behavior of existing businesses but it has no significant effect on start-up loans. The effectiveness of the consulting service in deterring delinquency with regard to existing loans is greater among male borrowers than among females.
Schlagwörter: 
Microcredit
Nonfinancial Service
Consulting
Loan
Repayment
Arrear
JEL: 
D1
G21
J1
L3
N25
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