Sangam: A Confluence of Knowledge Streams

Demand Side Analysis of Microlending Markets in Germany

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dc.creator Kritikos, Alexander S.
dc.creator Kneiding, Christoph
dc.creator Germelmann, Claas Christian
dc.date 2012-03-30T07:29:02Z
dc.date 2012-03-30T07:29:02Z
dc.date 2009
dc.date.accessioned 2023-02-18T19:43:51Z
dc.date.available 2023-02-18T19:43:51Z
dc.identifier Jahrbucher Fur Nationalokonomie Und Statistik
dc.identifier 00214027
dc.identifier http://hdl.handle.net/10986/4648
dc.identifier.uri http://localhost:8080/xmlui/handle/CUHPOERS/250126
dc.description In developing and transition economies, microlending has become an effective instrument for providing micro businesses with the necessary financial resources to launch operations. In industrialized countries, with their highly developed banking systems, however, there has been ongoing debate on the question of whether an uncovered demand for microlending services exists. The present pilot study explores customer preferences for microlending products in Germany. Among the interviewed business owners, 15% reported revolving funding needs and an interest in microloans. We find that potential recipients of microloan products are retail business owners, foreign business owners, and persons who had previously received private loans. Furthermore, financial products should feature rapid access to short-term loans.
dc.language EN
dc.relation http://creativecommons.org/licenses/by-nc-nd/3.0/igo
dc.rights World Bank
dc.subject Banks
dc.subject Other Depository Institutions
dc.subject Micro Finance Institutions
dc.subject Mortgages G210
dc.subject Financing Policy
dc.subject Financial Risk and Risk Management
dc.subject Capital and Ownership Structure G320
dc.subject Entrepreneurship L260
dc.title Demand Side Analysis of Microlending Markets in Germany
dc.type Journal Article
dc.type Journal Article
dc.coverage Germany


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