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Demand Side Analysis of Microlending Markets in Germany

Alexander Kritikos (), Kneiding Christoph () and Germelmann Claas Christian ()
Additional contact information
Kneiding Christoph: CGAP / The World Bank, 900 19th St, 3rd Floor, Washington, DC 20006, USA and GfA, Berlin, Germany
Germelmann Claas Christian: Institute for Consumer and Behavioural Research, Saarland University, Campus A5 4, 66123 Saarbruecken, Germany

Journal of Economics and Statistics (Jahrbuecher fuer Nationaloekonomie und Statistik), 2009, vol. 229, issue 5, 523-543

Abstract: In developing and transition economies, microlending has become an effective instrument for providing micro businesses with the necessary financial resources to launch operations. In industrialized countries, with their highly developed banking systems, however, there has been ongoing debate on the question of whether an uncovered demand for microlending services exists. The present pilot study explores customer preferences formicrolending products in Germany. Among the interviewed business owners, 15 % reported revolving funding needs and an interest in microloans. We find that potential recipients of microloan products are retail business owners, foreign business owners, and persons who had previously received private loans. Furthermore, financial products should feature rapid access to short-term loans.

Keywords: Entrepreneurship; microlending; market research (search for similar items in EconPapers)
Date: 2009
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