lContracted Amount
|
Nader (2008)Nader, Y. F. (2008). Microcredit and the socio-economic wellbeing of women and their families in Cairo. The Journal of Socio-Economics, 37(2), 644-656. https://doi.org/10.1016/j.socec.2007.10.008
https://doi.org/10.1016/j.socec.2007.10....
; Soares et al. (2011)Soares, R. B., Barreto, F. A., & Azevedo, M. T. (2011). Condicionantes da saída da pobreza com microcrédito: O caso dos clientes do Crediamigo. Estudos Econômicos, 41(1), 119-142. https://doi.org/10.1590/s0101-41612011000100005
https://doi.org/10.1590/s0101-4161201100...
; Malapit (2012)Malapit, H. J. L. (2012). Are women more likely to be credit constrained? Evidence from low-income urban households in the Philippines. Feminist Economics, 18(3), 81-108. https://doi.org/10.1080/13545701.2012.716161
https://doi.org/10.1080/13545701.2012.71...
; Camargos, Camargos and Araujo (2012)Camargos, M. A., Camargos, M. C. S., & Araujo, E. A. (2012). A inadimplência em um programa de crédito de uma instituição financeira pública de Minas Gerais: Uma análise utilizando regressão logística. Revista de Gestão, 19(3), 467-486. https://doi.org/10.5700/rege475
https://doi.org/10.5700/rege475...
; Agier and Szafarz (2013)Agier, I., & Szafarz, A. (2013). Microfinance and gender: Is there a glass ceiling on loan size?. World Development, 42, 165-181. https://doi.org/10.1016/j.worlddev.2012.06.016
https://doi.org/10.1016/j.worlddev.2012....
; Corsi and Angelis (2017)Corsi, M., & Angelis, M. D. (2017). Gender discrimination in microfinance? Some evidence from Uganda. The Journal of Development Studies, 53(5), 723-740. https://doi.org/10.1080/00220388.2016.1205733
https://doi.org/10.1080/00220388.2016.12...
|
Log of the amount granted to the clients (in BRL) |
Gender |
Soares et al. (2011)Soares, R. B., Barreto, F. A., & Azevedo, M. T. (2011). Condicionantes da saída da pobreza com microcrédito: O caso dos clientes do Crediamigo. Estudos Econômicos, 41(1), 119-142. https://doi.org/10.1590/s0101-41612011000100005
https://doi.org/10.1590/s0101-4161201100...
; D'Espallier et al. (2011)D'Espallier, B., Guérin, I., & Mersland, R. (2011). Women and repayment in microfinance: A global analysis. World Development, 39(5), 758-772. https://doi.org/10.1016/j.worlddev.2010.10.008
https://doi.org/10.1016/j.worlddev.2010....
; Li, Gan and Yu (2011)Li, X., Gan, C., & Hu, B. (2011). Accessibility to microcredit by Chinese rural households. Journal of Asian Economics, 22(3), 235-246. https://doi.org/10.1016/j.asieco.2011.01.004
https://doi.org/10.1016/j.asieco.2011.01...
; Malapit (2012)Malapit, H. J. L. (2012). Are women more likely to be credit constrained? Evidence from low-income urban households in the Philippines. Feminist Economics, 18(3), 81-108. https://doi.org/10.1080/13545701.2012.716161
https://doi.org/10.1080/13545701.2012.71...
; Agier and Szafarz (2013)Agier, I., & Szafarz, A. (2013). Microfinance and gender: Is there a glass ceiling on loan size?. World Development, 42, 165-181. https://doi.org/10.1016/j.worlddev.2012.06.016
https://doi.org/10.1016/j.worlddev.2012....
; Brana (2013)Brana, S. (2013). Microcredit: An answer to the gender problem in funding?. Small Business Economics, 40(1), 87-100. https://doi.org/10.1007/s11187-011-9346-3
https://doi.org/10.1007/s11187-011-9346-...
; Alves and Camargos (2014)Alves, C. M., & Camargos, M. A. (2014). Fatores condicionantes da inadimplência em operações de microcrédito. Revista de Administração e Contabilidade das UNISINOS, 11(1), 59-74. https://doi.org/10.4013/base.2014.111.05
https://doi.org/10.4013/base.2014.111.05...
; Milanov, Justo and Bradley (2015)Milanov, H., Justo, R., & Bradley, S. W. (2015). Making the most of group relationships: The role of gender and boundary effects in microcredit groups. Journal of Business Venturing, 30(6), 822-838. https://doi.org/10.1016/j.jbusvent.2015.04.001
https://doi.org/10.1016/j.jbusvent.2015....
; Akotey and Adjasi (2016)Akotey, J. O., & Adjasi, C. K. D. (2016). Does microcredit increase household welfare in the absence of microinsurance?. World Development, 77, 380-394. https://doi.org/10.1016/j.worlddev.2015.09.005
https://doi.org/10.1016/j.worlddev.2015....
; Corsi and Angelis (2017)Corsi, M., & Angelis, M. D. (2017). Gender discrimination in microfinance? Some evidence from Uganda. The Journal of Development Studies, 53(5), 723-740. https://doi.org/10.1080/00220388.2016.1205733
https://doi.org/10.1080/00220388.2016.12...
; Wahidi (2017)Wahidi, I. (2017). Microcredit in Lebanon: First data on its beneficiaries. International Business Research, 10(4), 32-41. https://doi.org/10.5539/ibr.v10n4p32
https://doi.org/10.5539/ibr.v10n4p32...
; Bahta et al. (2017)Bahta, Y. T., Strydom, D. B., & Donkor, E. (2017). Microcredit and gender empowerment: Policy implications for sustainable agricultural development in Eritrea. Development in Practice, 27(1), 90-102. https://doi.org/10.1080/09614524.2017.1259393
https://doi.org/10.1080/09614524.2017.12...
; Rakib, Chakrabarty and Winn (2018)Rakib, M., Chakrabarty, S., & Winn, S. (2018). Gender-differentiated social and human capital and the use of microcredit in Bangladeshi female entrepreneurship. In É. NíShé, L. J. Burton, & P. Danaher (Eds.), Social capital and enterprise in the modern state (Vol. 1, Chap. 9, pp. 181-202). Cham: Palgrave Macmillan.
|
Binary variable of the client's gender, in which 1 is female and 0, if otherwise |
Age |
Nader (2008)Nader, Y. F. (2008). Microcredit and the socio-economic wellbeing of women and their families in Cairo. The Journal of Socio-Economics, 37(2), 644-656. https://doi.org/10.1016/j.socec.2007.10.008
https://doi.org/10.1016/j.socec.2007.10....
; Soares et al. (2011)Soares, R. B., Barreto, F. A., & Azevedo, M. T. (2011). Condicionantes da saída da pobreza com microcrédito: O caso dos clientes do Crediamigo. Estudos Econômicos, 41(1), 119-142. https://doi.org/10.1590/s0101-41612011000100005
https://doi.org/10.1590/s0101-4161201100...
; Li et al.(2011)Li, X., Gan, C., & Hu, B. (2011). Accessibility to microcredit by Chinese rural households. Journal of Asian Economics, 22(3), 235-246. https://doi.org/10.1016/j.asieco.2011.01.004
https://doi.org/10.1016/j.asieco.2011.01...
; Mahmud, Shah and Becker (2012)Mahmud, S., Shah, N. M., & Becker, S. (2012). Measurement of women's empowerment in rural Bangladesh. World Development, 40(3), 610-619. https://doi.org/10.1016/j.worlddev.2011.08.003
https://doi.org/10.1016/j.worlddev.2011....
; Malapit (2012); Agier and Szafarz (2013)Malapit, H. J. L. (2012). Are women more likely to be credit constrained? Evidence from low-income urban households in the Philippines. Feminist Economics, 18(3), 81-108. https://doi.org/10.1080/13545701.2012.716161
https://doi.org/10.1080/13545701.2012.71...
; Milanov et al. (2015)Milanov, H., Justo, R., & Bradley, S. W. (2015). Making the most of group relationships: The role of gender and boundary effects in microcredit groups. Journal of Business Venturing, 30(6), 822-838. https://doi.org/10.1016/j.jbusvent.2015.04.001
https://doi.org/10.1016/j.jbusvent.2015....
; Vyas,Jansen, Heise and Mbwambo(2015)Vyas, S., Jansen, H. A. F. M., Heise, L., & Mbwambo, J. (2015). Exploring the association between women's access to economic resources and intimate partner violence in Dar es Salaam and Mbeya, Tanzania. Social Science & Medicine, 146, 307-315. https://doi.org/10.1016/j.socscimed.2015.10.016
https://doi.org/10.1016/j.socscimed.2015...
; Corsi and Angelis (2017)Corsi, M., & Angelis, M. D. (2017). Gender discrimination in microfinance? Some evidence from Uganda. The Journal of Development Studies, 53(5), 723-740. https://doi.org/10.1080/00220388.2016.1205733
https://doi.org/10.1080/00220388.2016.12...
; Akotey and Adjasi (2016)Akotey, J. O., & Adjasi, C. K. D. (2016). Does microcredit increase household welfare in the absence of microinsurance?. World Development, 77, 380-394. https://doi.org/10.1016/j.worlddev.2015.09.005
https://doi.org/10.1016/j.worlddev.2015....
; Ghosh and Vinod (2017)Ghosh, S., & Vinod, D. (2017). What constrains financial inclusion for women? Evidence from Indian micro data. World Development, 92, 60-81. https://doi.org/10.1016/j.worlddev.2016.11.011
https://doi.org/10.1016/j.worlddev.2016....
; Mazumder et al. (2017)Mazumder, R., Dastidar, S., & Bhandari, A. K. (2017). Access to credit and microentrepreneurship: A gender comparison. In C. Neogi, A. K. Bhandari, & S. Ghosh (Eds.), Women's entrepreneurship and microfinance (Vol. 1, Chap. 11, pp. 191-210). Singapore: Springer.; Wahidi (2017)Wahidi, I. (2017). Microcredit in Lebanon: First data on its beneficiaries. International Business Research, 10(4), 32-41. https://doi.org/10.5539/ibr.v10n4p32
https://doi.org/10.5539/ibr.v10n4p32...
; Bahta et al. (2017)Bahta, Y. T., Strydom, D. B., & Donkor, E. (2017). Microcredit and gender empowerment: Policy implications for sustainable agricultural development in Eritrea. Development in Practice, 27(1), 90-102. https://doi.org/10.1080/09614524.2017.1259393
https://doi.org/10.1080/09614524.2017.12...
; Rakib et al. (2018)Mahmud, S., Shah, N. M., & Becker, S. (2012). Measurement of women's empowerment in rural Bangladesh. World Development, 40(3), 610-619. https://doi.org/10.1016/j.worlddev.2011.08.003
https://doi.org/10.1016/j.worlddev.2011....
; Ugwuja and Nweze (2018)Ugwuja, V. C., & Nweze, N. J. (2018). Gender analysis of micro-loan sizes accessed by small-scale agro-entrepreneurs in the Niger Delta region of Nigeria. Journal of Development and Agricultural Economics, 10(1), 15-21. https://doi.org/10.5897/jdae2017.0878
https://doi.org/10.5897/jdae2017.0878...
|
The client's age (in years) |
Civil Status |
Nader (2008)Nader, Y. F. (2008). Microcredit and the socio-economic wellbeing of women and their families in Cairo. The Journal of Socio-Economics, 37(2), 644-656. https://doi.org/10.1016/j.socec.2007.10.008
https://doi.org/10.1016/j.socec.2007.10....
; Agier and Szafarz (2013)Agier, I., & Szafarz, A. (2013). Microfinance and gender: Is there a glass ceiling on loan size?. World Development, 42, 165-181. https://doi.org/10.1016/j.worlddev.2012.06.016
https://doi.org/10.1016/j.worlddev.2012....
; Brana (2013)Brana, S. (2013). Microcredit: An answer to the gender problem in funding?. Small Business Economics, 40(1), 87-100. https://doi.org/10.1007/s11187-011-9346-3
https://doi.org/10.1007/s11187-011-9346-...
; Alves and Camargos (2014)Alves, C. M., & Camargos, M. A. (2014). Fatores condicionantes da inadimplência em operações de microcrédito. Revista de Administração e Contabilidade das UNISINOS, 11(1), 59-74. https://doi.org/10.4013/base.2014.111.05
https://doi.org/10.4013/base.2014.111.05...
; Corsi and Angelis (2017)Corsi, M., & Angelis, M. D. (2017). Gender discrimination in microfinance? Some evidence from Uganda. The Journal of Development Studies, 53(5), 723-740. https://doi.org/10.1080/00220388.2016.1205733
https://doi.org/10.1080/00220388.2016.12...
; Akotey and Adjasi (2016)Akotey, J. O., & Adjasi, C. K. D. (2016). Does microcredit increase household welfare in the absence of microinsurance?. World Development, 77, 380-394. https://doi.org/10.1016/j.worlddev.2015.09.005
https://doi.org/10.1016/j.worlddev.2015....
; Wahidi (2017)Wahidi, I. (2017). Microcredit in Lebanon: First data on its beneficiaries. International Business Research, 10(4), 32-41. https://doi.org/10.5539/ibr.v10n4p32
https://doi.org/10.5539/ibr.v10n4p32...
; Bahta et al. (2017)Bahta, Y. T., Strydom, D. B., & Donkor, E. (2017). Microcredit and gender empowerment: Policy implications for sustainable agricultural development in Eritrea. Development in Practice, 27(1), 90-102. https://doi.org/10.1080/09614524.2017.1259393
https://doi.org/10.1080/09614524.2017.12...
; Ugwuja and Nweze (2018)Ugwuja, V. C., & Nweze, N. J. (2018). Gender analysis of micro-loan sizes accessed by small-scale agro-entrepreneurs in the Niger Delta region of Nigeria. Journal of Development and Agricultural Economics, 10(1), 15-21. https://doi.org/10.5897/jdae2017.0878
https://doi.org/10.5897/jdae2017.0878...
|
Binary variable of the client's civil status, in which 1 is married and 0, if otherwise |
Risk Rating |
Brazilian Central Bank (Resolução n. 2.682, 1999)Resolução n. 2.682, de 21 de dezembro de 1999. (1999). Dispõe sob critérios de classificação das operações de crédito e regras para constituição de provisão para créditos de liquidação duvidosa. Retrieved from http://www.bcb.gov.br/pre/normativos/res/1999/pdf/res_2682_v2_L.pdf
http://www.bcb.gov.br/pre/normativos/res...
|
Percentage of provision (levels of risk: AA - 0,0%; A - 0,5%; B - 1,0%; C - 3,0%; D - 10,0%; E - 30,0%; F - 50,0%; G - 70,0%; H - 100%) |
Income |
Nader (2008); Li et al. (2011)Nader, Y. F. (2008). Microcredit and the socio-economic wellbeing of women and their families in Cairo. The Journal of Socio-Economics, 37(2), 644-656. https://doi.org/10.1016/j.socec.2007.10.008
https://doi.org/10.1016/j.socec.2007.10....
; Soares et al.(2011)Soares, R. B., Barreto, F. A., & Azevedo, M. T. (2011). Condicionantes da saída da pobreza com microcrédito: O caso dos clientes do Crediamigo. Estudos Econômicos, 41(1), 119-142. https://doi.org/10.1590/s0101-41612011000100005
https://doi.org/10.1590/s0101-4161201100...
; Malapit (2012)Malapit, H. J. L. (2012). Are women more likely to be credit constrained? Evidence from low-income urban households in the Philippines. Feminist Economics, 18(3), 81-108. https://doi.org/10.1080/13545701.2012.716161
https://doi.org/10.1080/13545701.2012.71...
; Alves and Camargos (2014)Alves, C. M., & Camargos, M. A. (2014). Fatores condicionantes da inadimplência em operações de microcrédito. Revista de Administração e Contabilidade das UNISINOS, 11(1), 59-74. https://doi.org/10.4013/base.2014.111.05
https://doi.org/10.4013/base.2014.111.05...
; Akotey and Adjasi (2016)Akotey, J. O., & Adjasi, C. K. D. (2016). Does microcredit increase household welfare in the absence of microinsurance?. World Development, 77, 380-394. https://doi.org/10.1016/j.worlddev.2015.09.005
https://doi.org/10.1016/j.worlddev.2015....
; Corsi and Angelis (2017)Corsi, M., & Angelis, M. D. (2017). Gender discrimination in microfinance? Some evidence from Uganda. The Journal of Development Studies, 53(5), 723-740. https://doi.org/10.1080/00220388.2016.1205733
https://doi.org/10.1080/00220388.2016.12...
; Ghosh and Vinod (2017)Ghosh, S., & Vinod, D. (2017). What constrains financial inclusion for women? Evidence from Indian micro data. World Development, 92, 60-81. https://doi.org/10.1016/j.worlddev.2016.11.011
https://doi.org/10.1016/j.worlddev.2016....
; Mazumder et al. (2017)Mazumder, R., Dastidar, S., & Bhandari, A. K. (2017). Access to credit and microentrepreneurship: A gender comparison. In C. Neogi, A. K. Bhandari, & S. Ghosh (Eds.), Women's entrepreneurship and microfinance (Vol. 1, Chap. 11, pp. 191-210). Singapore: Springer.; Ugwuja and Nweze (2018)Ugwuja, V. C., & Nweze, N. J. (2018). Gender analysis of micro-loan sizes accessed by small-scale agro-entrepreneurs in the Niger Delta region of Nigeria. Journal of Development and Agricultural Economics, 10(1), 15-21. https://doi.org/10.5897/jdae2017.0878
https://doi.org/10.5897/jdae2017.0878...
|
The client's income (in BRL) |
Type of Investment |
Alves and Camargos (2014)Alves, C. M., & Camargos, M. A. (2014). Fatores condicionantes da inadimplência em operações de microcrédito. Revista de Administração e Contabilidade das UNISINOS, 11(1), 59-74. https://doi.org/10.4013/base.2014.111.05
https://doi.org/10.4013/base.2014.111.05...
; Agier and Szafarz (2013)Agier, I., & Szafarz, A. (2013). Microfinance and gender: Is there a glass ceiling on loan size?. World Development, 42, 165-181. https://doi.org/10.1016/j.worlddev.2012.06.016
https://doi.org/10.1016/j.worlddev.2012....
|
Binary variable of the type of investment that the client will perform with the loan, in which 1 is fixed and 0, if otherwise |
Residence |
Li et al. (2011)Li, X., Gan, C., & Hu, B. (2011). Accessibility to microcredit by Chinese rural households. Journal of Asian Economics, 22(3), 235-246. https://doi.org/10.1016/j.asieco.2011.01.004
https://doi.org/10.1016/j.asieco.2011.01...
; Akotey and Adjasi (2016)Akotey, J. O., & Adjasi, C. K. D. (2016). Does microcredit increase household welfare in the absence of microinsurance?. World Development, 77, 380-394. https://doi.org/10.1016/j.worlddev.2015.09.005
https://doi.org/10.1016/j.worlddev.2015....
; Ghosh and Vinod (2017)Ghosh, S., & Vinod, D. (2017). What constrains financial inclusion for women? Evidence from Indian micro data. World Development, 92, 60-81. https://doi.org/10.1016/j.worlddev.2016.11.011
https://doi.org/10.1016/j.worlddev.2016....
; Ugwuja and Nweze (2018)Ugwuja, V. C., & Nweze, N. J. (2018). Gender analysis of micro-loan sizes accessed by small-scale agro-entrepreneurs in the Niger Delta region of Nigeria. Journal of Development and Agricultural Economics, 10(1), 15-21. https://doi.org/10.5897/jdae2017.0878
https://doi.org/10.5897/jdae2017.0878...
|
Binary variable of the client's place of residence, in which 1 is rural and 0, if otherwise |
Default |
Camargos, Camargos, Santos, Rodrigues and Silva (2010)Camargos, M. A., Camargos, M. C. S., Santos, F. S., Rodrigues, P. J., & Silva, F. W. (2010). Fatores condicionantes da inadimplência em processos de concessão de crédito a micro e pequenas empresas do estado de Minas Gerais. Revista de Administração Contemporânea, 14(2), 333-352. Retrieved from http://www.scielo.br/pdf/rac/v14n2/v14n2a09.pdf. https://doi.org/10.1590/s1415-65552010000200009
http://www.scielo.br/pdf/rac/v14n2/v14n2...
; Soares et al. (2011)Soares, R. B., Barreto, F. A., & Azevedo, M. T. (2011). Condicionantes da saída da pobreza com microcrédito: O caso dos clientes do Crediamigo. Estudos Econômicos, 41(1), 119-142. https://doi.org/10.1590/s0101-41612011000100005
https://doi.org/10.1590/s0101-4161201100...
; Camargos et al. (2012)Camargos, M. A., Camargos, M. C. S., & Araujo, E. A. (2012). A inadimplência em um programa de crédito de uma instituição financeira pública de Minas Gerais: Uma análise utilizando regressão logística. Revista de Gestão, 19(3), 467-486. https://doi.org/10.5700/rege475
https://doi.org/10.5700/rege475...
; Alves and Camargos (2014)Alves, C. M., & Camargos, M. A. (2014). Fatores condicionantes da inadimplência em operações de microcrédito. Revista de Administração e Contabilidade das UNISINOS, 11(1), 59-74. https://doi.org/10.4013/base.2014.111.05
https://doi.org/10.4013/base.2014.111.05...
|
Binary variable of the client's situation, if the client is defaulting, and 0 if otherwise |