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

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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.

Document Type: Research Article


Affiliations: School of Economics and Political Science, University of Sydney, NSW 2006, Australia

Publication date: 2006-08-10

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