Micro-Credit and Loans: Credit Riskmanagement Differences
(2010) NEKK01 20102Department 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:
http://lup.lub.lu.se/student-papers/record/1788415
- author
- Thuresson, Philip LU
- supervisor
- organization
- alternative title
- Mikrokrediter och lån; Skillnader i riskhantering vid kreditgivning
- course
- NEKK01 20102
- year
- 2010
- 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}}, }