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- W2024035614 abstract "This article measures the over-indebtedness of micro-borrowers. It defines over-indebtedness from a customer-protection perspective, based on the borrowers' sacrifices. We analyse the sacrifices borrowers experience and find that 30 per cent of borrowers are over-indebted. We then test risk management indicators of debt problems as predictors of over-indebtedness. Over-indebtedness is strongly related to delinquency and the debt-to-income ratio but not to debt amounts or to multiple borrowing. Although our model correctly predicts 72.6 per cent of cases, even the best indicators identify only a few over-indebted borrowers. Risk management is not enough to protect customers against over-indebtedness but the industry needs to measure customer experiences directly." @default.
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- W2024035614 date "2013-09-01" @default.
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- W2024035614 title "The Sacrifices of Micro-Borrowers in Ghana – A Customer-Protection Perspective on Measuring Over-Indebtedness" @default.
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- W2024035614 doi "https://doi.org/10.1080/00220388.2013.775421" @default.
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