Neuware -Master's Thesis from the year 2011 in the subject Politics - International Politics - Region: Middle- and South America, grade: 5.75/6.00, University of Geneva (GRADUATE INSTITUTE OF INTERNATIONAL AND DEVELOPMENT STUDIES ), course: Overindebtedness in microfinance, language: English, abstract: Originally celebrated as a poverty alleviation tool which is financially sustainable, microfinance is experiencing worrying developments, such as deterioration of loan portfolios, growingcommercialization and increasing public criticism due to exaggerated profits. Overindebtedness is one of the most worrying trends, as it has negative effects on the loan beneficiaries and in the same time it threatens the very existence of the sector. This field research analyses from an empirical perspective the causes and effects of overindebtedness in the specific case of the clientele ofFinanciera CREAR Arequipa S.A. in Lima Norte, Peru. It was found that overindebtedness is generated by a mix of causes related to the increased competition between microfinance institutions and to thespecific behaviours of clients confronted with an abundant credit offer. This produces a series of effects at institutional and client levels, which can be described as institutional cannibalization, clientforced�feeding, desperate borrowing and loan bicycling.BoD - Books on Demand, In de Tarpen 42, 22848 Norderstedt 120 pp. Englisch.

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Titel: Overindebtedness in microfinance
Verlag: GRIN Verlag, GRIN Verlag Sep 2011
Erscheinungsjahr: 2011
Sprache: Englisch
ISBN-10: 3640997875
ISBN-13: 9783640997879
Einband: Taschenbuch
Zustand: Neu
Abmessungen: Breite: 210 mm, H�he: 148 mm, Tiefe: 9 mm
Gewicht: 185 Gramm

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Master's Thesis from the year 2011 in the subject Politics - Region: Middle and South America, grade: 5.75/6.00, University of Geneva (GRADUATE INSTITUTE OF INTERNATIONAL AND DEVELOPMENT STUDIES ), course: Overindebtedness in microfinance, language: English, abstract: Originally celebrated as a poverty alleviation tool which is financially sustainable, microfinance is experiencing worrying developments, such as deterioration of loan portfolios, growing commercialization and increasing public criticism due to exaggerated profits. Overindebtedness is one of the most worrying trends, as it has negative effects on the loan beneficiaries and in the same time it threatens the very existence of the sector. This field research analyses from an empirical perspective the causes and effects of overindebtedness in the specific case of the clientele of Financiera CREAR Arequipa S.A. in Lima Norte, Peru. It was found that overindebtedness is generated by a mix of causes related to the increased competition between microfinance institutions and to the specific behaviours of clients confronted with an abundant credit offer. This produces a series of effects at institutional and client levels, which can be described as institutional cannibalization, client forced‐feeding, desperate borrowing and loan bicycling.

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Master's Thesis from the year 2011 in the subject Politics - International Politics - Region: Middle- and South America, grade: 5.75/6.00, University of Geneva (GRADUATE INSTITUTE OF INTERNATIONAL AND DEVELOPMENT STUDIES ), course: Overindebtedness in microfinance, language: English, abstract: Originally celebrated as a poverty alleviation tool which is financially sustainable, microfinance is experiencing worrying developments, such as deterioration of loan portfolios, growing commercialization and increasing public criticism due to exaggerated profits. Overindebtedness is one of the most worrying trends, as it has negative effects on the loan beneficiaries and in the same time it threatens the very existence of the sector. This field research analyses from an empirical perspective the causes and effects of overindebtedness in the specific case of the clientele of Financiera CREAR Arequipa S.A. in Lima Norte, Peru. It was found that overindebtedness is generated by a mix of causes related to the increased competition between microfinance institutions and to the specific behaviours of clients confronted with an abundant credit offer. This produces a series of effects at institutional and client levels, which can be described as institutional cannibalization, client forced-feeding, desperate borrowing and loan bicycling.

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