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Micro-Credit and Loans: Credit Riskmanagement Differences

Thuresson, Philip LU (2010) NEKK01 20102
Department of Economics
Abstract (Swedish)
ABSTRACT
Title: Micro-Credit and Loans: Credit Riskmanagement
Differences
Seminar date: 2010-01-21
Course: NEKK01 - Bachelor Essay, 15 ECTS
Author: Philip Thuresson
Supervisor: Anders Vilhelmsson Ph.D.
Keywords: Micro-credit, Risk, Yield
Purpose: The purpose of this essay is to examine the differences in
the risk analysis and credit process between micro-credit
institutions and banks.
Theoretical
Perspectives: The structure of micro-credit institutions and risk analysis in
the credit process is the base of the essay.
Methodology: The essay is written with a qualitative perspective which has
been achieved through interviews and gathering of
information. Conditions and assumptions are described in
order to make the... (More)
ABSTRACT
Title: Micro-Credit and Loans: Credit Riskmanagement
Differences
Seminar date: 2010-01-21
Course: NEKK01 - Bachelor Essay, 15 ECTS
Author: Philip Thuresson
Supervisor: Anders Vilhelmsson Ph.D.
Keywords: Micro-credit, Risk, Yield
Purpose: The purpose of this essay is to examine the differences in
the risk analysis and credit process between micro-credit
institutions and banks.
Theoretical
Perspectives: The structure of micro-credit institutions and risk analysis in
the credit process is the base of the essay.
Methodology: The essay is written with a qualitative perspective which has
been achieved through interviews and gathering of
information. Conditions and assumptions are described in
order to make the comparison.
Conclusion: Considerable differences between the micro-credit
institutions and banks on a qualitative level are found
regarding the conditions for credit and risk management
process. Banks tend to have a more restrictive approach on
giving credit whereas micro-credit institutions emphasize
more on repayment incentives. To find a more cost and time
effective process for risk management and handling credits
past due is essential for both credit institutions. A mutual
exchange of experiences is to recommend in order to
encourage growth in the credit industry. (Less)
Please use this url to cite or link to this publication:
author
Thuresson, Philip LU
supervisor
organization
alternative title
Mikrokrediter och lån; Skillnader i riskhantering vid kreditgivning
course
NEKK01 20102
year
type
M2 - Bachelor Degree
subject
keywords
Micro-credit, Risk, Yield
language
Swedish
id
1788415
date added to LUP
2011-02-21 08:52:46
date last changed
2011-02-21 08:52:46
@misc{1788415,
  abstract     = {{ABSTRACT
Title: Micro-Credit and Loans: Credit Riskmanagement
Differences
Seminar date: 2010-01-21
Course: NEKK01 - Bachelor Essay, 15 ECTS
Author: Philip Thuresson
Supervisor: Anders Vilhelmsson Ph.D.
Keywords: Micro-credit, Risk, Yield
Purpose: The purpose of this essay is to examine the differences in
the risk analysis and credit process between micro-credit
institutions and banks.
Theoretical
Perspectives: The structure of micro-credit institutions and risk analysis in
the credit process is the base of the essay.
Methodology: The essay is written with a qualitative perspective which has
been achieved through interviews and gathering of
information. Conditions and assumptions are described in
order to make the comparison.
Conclusion: Considerable differences between the micro-credit
institutions and banks on a qualitative level are found
regarding the conditions for credit and risk management
process. Banks tend to have a more restrictive approach on
giving credit whereas micro-credit institutions emphasize
more on repayment incentives. To find a more cost and time
effective process for risk management and handling credits
past due is essential for both credit institutions. A mutual
exchange of experiences is to recommend in order to
encourage growth in the credit industry.}},
  author       = {{Thuresson, Philip}},
  language     = {{swe}},
  note         = {{Student Paper}},
  title        = {{Micro-Credit and Loans: Credit Riskmanagement Differences}},
  year         = {{2010}},
}