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Determinants of microcredit repayment in Portugal: analysis of borrowers, loans and business projects

2018-11-05Artigo científico Acesso restrito
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dc.contributor.authorMota, Jorge
dc.contributor.authorMoreira, Antonio
dc.contributor.authorBrandão, Cristóvão
dc.date.accessioned2026-02-19T12:39:09Z
dc.date.available2026-02-19T12:39:09Z
dc.date.issued2018-11-05en_US
dc.date.updated2026-01-27T01:10:52Z
dc.description.abstractMicrocredit programs in Portugal represent a unique case for studying the microcredit repayment determinants in a developed country, as it experienced a financial hardship in 2008–2009, with economic and social consequences that led to unemployment crisis. This research examined the determinants of microcredit loan repayment based on a sample of 752 microcredit loans granted in Portugal by the National Association for the Right to Credit, adopting individual lending mechanisms and granting loans through partnerships with several credit institutions. This is the first study to ascertain the influence that a set of factors – grouped into three categories: borrowers’ individual characteristics; loan characteristics; and characteristics of business projects implemented by borrowers – has on the repayment ability of microcredit programs, in a developed country of the Eurozone. Moreover, this is the first study using an ordered logistic regression (OLR) in estimating the determinants of microcredit loan repayment. Similar to previous studies, married borrowers tend to repay loans faster as they tend to be more responsible than single borrowers. Nationality seems to be an issue as foreigners tends to default the repayment loans. Finally, those involved in manufacturing activities perform better than those involved in service activities in repaying their loans. This clearly indicates that in developed countries special attention needs to be provided to minority groups as well as market/supply conditions, which are not normally considered in less favored economic countries.eng
dc.description.versioninfo:eu-repo/semantics/publishedVersion
dc.identifier.doi10.1007/s10258-018-0148-2en_US
dc.identifier.eid2-s2.0-85053449431en_US
dc.identifier.slugcv-prod-367231
dc.identifier.urihttp://hdl.handle.net/10400.2/21369
dc.language.isoeng
dc.peerreviewedyes
dc.rights.uriN/A
dc.subjectMicrocredit
dc.subjectDeterminants of repayment
dc.subjectOrdered logistic regression
dc.subjectBorrowers’ characteristics
dc.subjectLoan characteristics
dc.subjectBusiness projects characteristics
dc.subjectPortugal
dc.titleDeterminants of microcredit repayment in Portugal: analysis of borrowers, loans and business projectseng
dc.typejournal article
dspace.entity.typePublication
oaire.citation.endPage171
oaire.citation.issue3en_US
oaire.citation.startPage141
oaire.citation.titlePortuguese Economic Journalen_US
oaire.citation.volume17en_US
oaire.versionhttp://purl.org/coar/version/c_970fb48d4fbd8a85
person.familyNameMoreira
person.givenNameAntonio
person.identifier.orcid0000-0002-6613-8796
rcaap.cv.cienciaid541F-5442-5666 | António Carrizo Moreira
rcaap.rightsrestrictedAccessen_US
relation.isAuthorOfPublication51ad303d-335c-4e2f-bae3-fffffef2e2f5
relation.isAuthorOfPublication.latestForDiscovery51ad303d-335c-4e2f-bae3-fffffef2e2f5

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