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dc.creator Johnston, Don Jr.
dc.creator Morduch, Jonathan
dc.date 2012-03-30T07:12:37Z
dc.date 2012-03-30T07:12:37Z
dc.date 2008-12-01
dc.date.accessioned 2023-02-18T19:41:21Z
dc.date.available 2023-02-18T19:41:21Z
dc.identifier World Bank Economic Review
dc.identifier 1564-698X
dc.identifier http://hdl.handle.net/10986/4490
dc.identifier.uri http://localhost:8080/xmlui/handle/CUHPOERS/249975
dc.description To analyze the prospects for expanding financial access to the poor, bank professionals assessed 1,438 households in six provinces in Indonesia to judge their creditworthiness. About 40 percent of poor households were judged creditworthy according to the criteria of Indonesia's largest microfinance bank, but fewer than 10 percent had recently borrowed from a microbank or formal lender. Possessing collateral appeared as a minor determinant of creditworthiness, in keeping with microfinance innovations. Although these households were judged able to service loans reliably, most desired small loans. Calculations show that the bank, given its current fee structure and banking practices, would lose money when lending at the scales desired. So, while innovations have helped to extend financial access, it remains difficult to lend in small amounts and cover costs.
dc.publisher World Bank
dc.rights CC BY-NC-ND 3.0 IGO
dc.rights http://creativecommons.org/licenses/by-nc-nd/3.0/igo
dc.rights World Bank
dc.subject access to loans
dc.subject collateral
dc.subject creditworthiness
dc.subject financial access
dc.subject households
dc.subject lack of collateral
dc.subject lender
dc.subject microfinance
dc.subject small businesses
dc.subject small loans
dc.title The Unbanked
dc.type Journal Article
dc.type Journal Article
dc.coverage East Asia and Pacific
dc.coverage Indonesia


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