NDLI: Group Lending with Heterogeneous Types

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Group Lending with Heterogeneous Types

Content Provider	Scilit
Author	Gan, Li Liu, Yanyan
Copyright Year	2017
Description	Journal: SSRN Electronic Journal This paper proposes and implements a mixture model to account for the unobserved group heterogeneity when modeling repayment behavior in group lending. We discuss the model properties and identification. We estimate the model using a rich dataset from a group lending program in India. The estimation results support the existence of two different group types: “responsible” and “irresponsible” groups. We find that the effects of the factors driving the repayment behavior differ across types. The model also shows a higher predictive performance than standard probabilistic models, particularly in identifying potential defaulters. We provide evidence supporting the robustness of the estimations.
Related Links	http://cdm15738.contentdm.oclc.org/utils/getdownloaditem/collection/p15738coll2/id/127520/filename/127731.pdf/mapsto/pdf/type/singleitem https://papers.ssrn.com/sol3/Delivery.cfm?abstractid=2970040
ISSN	10914358
e-ISSN	15565068
DOI	10.2139/ssrn.2970040
Journal	SSRN Electronic Journal
Language	English
Publisher	Elsevier BV
Publisher Date	2017-02-02
Access Restriction	Open
Subject Keyword	Journal: SSRN Electronic Journal Repayment Behavior Group Lending Performance Than Modeling Repayment
Content Type	Text
Resource Type	Article
Subject	Public Health, Environmental and Occupational Health Psychiatry and Mental Health

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