چکیده:
This article is devoted to look at how the factors micro-loan risks in microfinance are related to the micro-borrowers. In this regard, the present analysis involves the using of a set representative and fundamental variables in our research. The study basically use the socio-economic and socio-demographic features specific to the micro-borrowers, which are expected to affect the repayment delay, using the scoring models introduced to assess the micro- borrowers’ risk quality. Based on survey and logistic regression containing these features, the empirical results of econometric model show their impact on the repayment delay in the Tunisian Micro-Credit Associations
خلاصه ماشینی:
To present the Second analysis in principal component, we use 10 variables including: the Educational level (EL), the Branch of industry (BA), the Nature of the project (NP), the Number of dependent children (NCH), the Distance (DIST), the Marital status (MS), the Former experiment (EXP), the Follow-up of the micro-projects (FA), the Amount of the loan (AL) and the Geographical area (GA) to represent the most relevant and the most active characteristics of microfinance borrowers.
(2006), we will try to introduce, in our model, the variables that deal with some of the following characteristics, such as the age, the gender, the marital status, the number of dependent children, the education level, the number of years of previous experience with the bank, the nature of the projects, the activity sector, the loan amount , the distance between the customer’s home and the bank, the customer's geographical area and the microcredit agents’ visits to the micro- projects, which can have an impact on the repayment delay.
On the basis of these results, in terms of economic policy track, it is clear that there is a need to increase the number of visits to micro- borrowers by adopting an adequate supervision, after obtaining a microcredit, through home monitoring and in the workplace by a loan officer who plays at the same time the role of a management consultant, to raise and revise the amount of the loan, by focusing on the customer’s experience in entrepreneurship and in the creation of geographical distance Zouhayer, Tarek and Anis (2015).