Publication:
Are We Overestimating Demand for Microloans?

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dc.contributor.authorAnand, Malika
dc.contributor.authorRosenberg, Richard
dc.date.accessioned2012-08-13T08:51:21Z
dc.date.available2012-08-13T08:51:21Z
dc.date.issued2008-04
dc.description.abstractThis brief addresses demand for micro credit only, not demand for microfinance or other microfinance services, such as savings or funds transfers, which may be greater than the demand for micro credit. For instance, the ratio of savers to borrowers is about 10-to-1 for Bank Rakyat Indonesia, 9-to-1 for Centenary Bank in Uganda, and 4-to-1 for PRODEM in Bolivia (MIX Market). Micro credit demand estimates address the amount of funding required: the expected number of active borrowers is multiplied by an assumed average outstanding loan amount. Reasonable estimates of average loan size can be derived from international databases maintained by the mix market and micro credit summit. But estimating numbers of expected borrowers can be a minefield. This brief discusses the kinds of reductions that should be factored into a demand estimate and looks at some all too-sketchy empirical evidence about the size of those reductions. Most-but not all-of this evidence raises a concern that demand may often be overestimated by a considerable margin.en
dc.identifierhttp://documents.worldbank.org/curated/en/2008/04/9470876/overestimating-demand-micro-loans
dc.identifier.doi10.1596/9521
dc.identifier.urihttps://hdl.handle.net/10986/9521
dc.languageEnglish
dc.publisherWorld Bank, Washington, DC
dc.relation.ispartofseriesCGAP Brief
dc.rightsCC BY 3.0 IGO
dc.rights.holderWorld Bank
dc.rights.urihttp://creativecommons.org/licenses/by/3.0/igo/
dc.subjectACCEPTABLE COLLATERAL
dc.subjectASSETS
dc.subjectBANK LOAN
dc.subjectBANK POLICY
dc.subjectBORROWER
dc.subjectBORROWING
dc.subjectCASH FLOW
dc.subjectCGAP
dc.subjectDEVELOPING COUNTRIES
dc.subjectDEVELOPMENT BANK
dc.subjectELIGIBLE BORROWERS
dc.subjectEXCLUSION
dc.subjectFAMILIES
dc.subjectFINANCIAL ACCESS
dc.subjectFORMAL CREDIT
dc.subjectHOUSEHOLD BUSINESSES
dc.subjectHOUSEHOLD INCOME
dc.subjectHOUSEHOLDS
dc.subjectINDEBTED
dc.subjectLATIN AMERICAN
dc.subjectLENDING TECHNIQUES
dc.subjectLOAN AMOUNT
dc.subjectLOAN OFFICERS
dc.subjectLOAN PROCEEDS
dc.subjectLOAN REPAYMENT
dc.subjectLOAN SIZE
dc.subjectLOANS FROM FAMILY
dc.subjectMFI
dc.subjectMFIS
dc.subjectMICROBORROWERS
dc.subjectMICROCREDIT
dc.subjectMICROCREDIT PROGRAMS
dc.subjectMICROENTERPRISES
dc.subjectMICROENTREPRENEURS
dc.subjectMICROFINANCE
dc.subjectMICROFINANCE CLIENTS
dc.subjectMICROFINANCE INDUSTRY
dc.subjectMICROFINANCE INSTITUTION
dc.subjectMICROFINANCE INSTITUTIONS
dc.subjectMICROFINANCE SECTOR
dc.subjectMICROLENDING
dc.subjectMICROLOAN
dc.subjectMICROLOANS
dc.subjectNONGOVERNMENTAL ORGANIZATIONS
dc.subjectOUTREACH
dc.subjectOUTSTANDING BALANCE
dc.subjectOUTSTANDING LOAN
dc.subjectOUTSTANDING LOAN AMOUNT
dc.subjectPOOR HOUSEHOLDS
dc.subjectPOTENTIAL BORROWERS
dc.subjectREPAYMENT
dc.subjectREPAYMENT PERFORMANCE
dc.subjectREPAYMENT SCHEDULE
dc.subjectSAVINGS
dc.subjectSMALL BUSINESS
dc.subjectVILLAGES
dc.titleAre We Overestimating Demand for Microloans?en
dspace.entity.typePublication
okr.date.doiregistration2025-04-29T09:43:39.527480Z
okr.doctypePublications & Research::Brief
okr.doctypePublications & Research
okr.docurlhttp://documents.worldbank.org/curated/en/2008/04/9470876/overestimating-demand-micro-loans
okr.globalpracticeFinance and Markets
okr.guid506381468315316096
okr.identifier.externaldocumentum000334955_20080526055236
okr.identifier.internaldocumentum9470876
okr.identifier.report43844
okr.language.supporteden
okr.pdfurlhttp://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2008/05/26/000334955_20080526055236/Rendered/PDF/438440BRI0Box31restimating01PUBLIC1.pdfen
okr.topicFinance and Financial Sector Development::Microfinance
okr.topicFinance and Financial Sector Development::Debt Markets
okr.topicFinance and Financial Sector Development::Access to Finance
okr.topicFinance and Financial Sector Development::Rural Finance
okr.topicFinance and Financial Sector Development::Bankruptcy and Resolution of Financial Distress
okr.unitConsultative Grp to Assist Poor (CGP)
okr.volume1 of 1
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