Market value analysis of entrepreneurs? microcredit and personal loans

Mauricio Moura, Maurício José Serpa Barros de Moura, Rodrigo De Losso da Silveira Bueno, Sérgio Nunes Muritiba, Patricia Morilha Muritiba and Sergio Luiz do Amaral Moretti
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Mauricio Moura: 320 S.West apt 208, Alexandria, VA, 22314
Maurício José Serpa Barros de Moura: Faculdades Metropolitanas Unidas, Brazil / George Washington University. 150 Taguá St, Liberdade, São Paulo-SP, Zip code 01508-010
Rodrigo De Losso da Silveira Bueno: University of São Paulo, Brazil. 908, Prof. Luciano Gualberto Ave. Sao Paulo-SP. Zip Code: 05508-010
Sérgio Nunes Muritiba: Faculdades Metropolitanas Unidas, Brazil / George Washington University. 150 Taguá St, Liberdade, São Paulo-SP, Zip code 01508-010
Patricia Morilha Muritiba: Faculdades Metropolitanas Unidas, Brazil / George Washington University. 150 Taguá St, Liberdade, São Paulo-SP, Zip code 01508-010
Sergio Luiz do Amaral Moretti: Escola Superior de Propaganda e Marketing, Brazil 1240, Joaquim Távora, São Paulo, Zip code 04015-013
Authors registered in the RePEc Author Service: Rodrigo De-Losso

E3 Journal of Business Management and Economics., 2014, vol. 5, issue 5, 120-130

Abstract: This paper compares the market value of microcredit and personal loans to entrepreneurs. Based on primary data collected on a database of loans for entrepreneurs in Brazil, this work used the model of Blattber and Deighton (1996) – a marketing strategy model that applies financial evaluation techniques and clients statistics, with the purpose of optimizing the processes of acquisition, retention and capitalization of clients. Results show that traditional personal loan has a lower value compared to the micro-credit operation, even though microcredit clients have a history of informality, low income and lack of credit history.

Keywords: Micro credit; client value; entrepreneurs; developing countries. (search for similar items in EconPapers)
Date: 2014-08
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Persistent link: https://EconPapers.repec.org/RePEc:etr:series:v:5:y:2014:i:05:p:120-130

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