A Proposal of a Microcredit Granting Model for the Microfinance Associations in Tunisia


College of Business Administration, Prince Sattam Bin Abdulaziz University Kingdom of Saudi Arabia, Al Kharj, Saudi Arabia


This article is devoted to look at how the factors micro-loan risks in microfinance are related to the micro-borrowers. In this regard, the present analysis involves the using of a set representative and fundamental variables in our research. The study basically use the socio-economic and socio-demographic features specific to the micro-borrowers, which are expected to affect the repayment delay, using the scoring models introduced to assess the micro- borrowers’ risk quality. Based on survey and logistic regression containing these features, the empirical results of econometric model show their impact on the repayment delay in the Tunisian Micro-Credit Associations.


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