A socio-economic study of the borrowing process: the case of microentrepreneurs in Jordan

Dilip Dutta and Ihab Magableh

Applied Economics, 2006, vol. 38, issue 14, 1627-1640

Abstract: This paper investigates the socio-economic determinants of four stages of borrowing process of the Jordanian microfinance market. The equations and functions corresponding to the stages of the borrowing process are estimated using a sample of 474 microentrepreneurs. The main results are as follow: variables that reflect the repayment ability are the main determinants of credit rationing in the microfinance market; religious beliefs, social responsibilities, availability of local microfinance provides, application costs, level of knowledge about microfinance providers significantly affect the borrowing process of microentrepreneurs. Credit rationing is found to be a problem for some applicants, but not for the majority.

Date: 2006
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DOI: 10.1080/00036840500427148

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