Commercialization and Mission Drift: Evidence from a Large Chinese Microfinance Institution
Front-line loan officers of microfinance institutions are important in acquiring information on potential borrowers and selecting them in accordance with the microfinance institution's mission. This study uses a unique data set on loan officers and their loan portfolios from China's larges...
Gespeichert in:
| 1. Verfasser: | |
|---|---|
| Format: | Elektronisch E-Book |
| Sprache: | English |
| Veröffentlicht: |
Washington, D.C
The World Bank
2016
|
| Schriftenreihe: | World Bank E-Library Archive
|
| Online-Zugang: | kostenfrei |
| Zusammenfassung: | Front-line loan officers of microfinance institutions are important in acquiring information on potential borrowers and selecting them in accordance with the microfinance institution's mission. This study uses a unique data set on loan officers and their loan portfolios from China's largest nongovernmental organization microfinance institution to test whether officers' personal characteristics affect the size and quality of their loans. The analysis uses a period in which the institution shifted from reliance on government donations and subsidies to commercial sources of funding. Imposing more commercial incentives on loan officers could affect how they balance potentially competing objectives to serve the poor and pursue profitability. The paper finds that loan officers who were formerly farmers or worked in local government were better able to maintain lending to poorer borrowers, without incurring substantially lower repayment rates on their loans. In short, it appears that the career backgrounds of loan officers did play a role in preventing mission drift |
| Beschreibung: | 1 Online-Ressource (44 p) |
| DOI: | 10.1596/1813-9450-7680 |
Internformat
MARC
| LEADER | 00000nmm a2200000zc 4500 | ||
|---|---|---|---|
| 001 | BV048269603 | ||
| 003 | DE-604 | ||
| 007 | cr|uuu---uuuuu | ||
| 008 | 220609s2016 |||| o||u| ||||||eng d | ||
| 024 | 7 | |a 10.1596/1813-9450-7680 |2 doi | |
| 035 | |a (ZDB-1-WBA)NLM010468668 | ||
| 035 | |a (OCoLC)1334018548 | ||
| 035 | |a (DE-599)GBVNLM010468668 | ||
| 040 | |a DE-604 |b ger |e rda | ||
| 041 | 0 | |a eng | |
| 049 | |a DE-12 |a DE-521 |a DE-573 |a DE-523 |a DE-Re13 |a DE-19 |a DE-355 |a DE-703 |a DE-91 |a DE-706 |a DE-29 |a DE-M347 |a DE-473 |a DE-824 |a DE-20 |a DE-739 |a DE-1043 |a DE-863 |a DE-862 | ||
| 100 | 1 | |a Jia, Xiangping |e Verfasser |4 aut | |
| 245 | 1 | 0 | |a Commercialization and Mission Drift |b Evidence from a Large Chinese Microfinance Institution |c Xiangping Jia |
| 264 | 1 | |a Washington, D.C |b The World Bank |c 2016 | |
| 300 | |a 1 Online-Ressource (44 p) | ||
| 336 | |b txt |2 rdacontent | ||
| 337 | |b c |2 rdamedia | ||
| 338 | |b cr |2 rdacarrier | ||
| 490 | 0 | |a World Bank E-Library Archive | |
| 520 | |a Front-line loan officers of microfinance institutions are important in acquiring information on potential borrowers and selecting them in accordance with the microfinance institution's mission. This study uses a unique data set on loan officers and their loan portfolios from China's largest nongovernmental organization microfinance institution to test whether officers' personal characteristics affect the size and quality of their loans. The analysis uses a period in which the institution shifted from reliance on government donations and subsidies to commercial sources of funding. Imposing more commercial incentives on loan officers could affect how they balance potentially competing objectives to serve the poor and pursue profitability. The paper finds that loan officers who were formerly farmers or worked in local government were better able to maintain lending to poorer borrowers, without incurring substantially lower repayment rates on their loans. In short, it appears that the career backgrounds of loan officers did play a role in preventing mission drift | ||
| 700 | 1 | |a Cull, Robert |4 oth | |
| 700 | 1 | |a Ma, Tao |4 oth | |
| 700 | 1 | |a Guo, Pei |4 oth | |
| 700 | 1 | |a Jia, Xiangping |4 oth | |
| 776 | 0 | 8 | |i Erscheint auch als |n Druck-Ausgabe |a Jia, Xiangping |t Commercialization and Mission Drift : Evidence from a Large Chinese Microfinance Institution |d Washington, D.C : The World Bank, 2016 |
| 856 | 4 | 0 | |u https://doi.org/10.1596/1813-9450-7680 |x Verlag |z kostenfrei |3 Volltext |
| 912 | |a ZDB-1-WBA | ||
| 943 | 1 | |a oai:aleph.bib-bvb.de:BVB01-033649798 | |
Datensatz im Suchindex
| _version_ | 1812671774149574656 |
|---|---|
| adam_text | |
| adam_txt | |
| any_adam_object | |
| any_adam_object_boolean | |
| author | Jia, Xiangping |
| author_facet | Jia, Xiangping |
| author_role | aut |
| author_sort | Jia, Xiangping |
| author_variant | x j xj |
| building | Verbundindex |
| bvnumber | BV048269603 |
| collection | ZDB-1-WBA |
| ctrlnum | (ZDB-1-WBA)NLM010468668 (OCoLC)1334018548 (DE-599)GBVNLM010468668 |
| discipline | Wirtschaftswissenschaften |
| discipline_str_mv | Wirtschaftswissenschaften |
| doi_str_mv | 10.1596/1813-9450-7680 |
| format | Electronic eBook |
| fullrecord | <?xml version="1.0" encoding="UTF-8"?><collection xmlns="http://www.loc.gov/MARC21/slim"><record><leader>00000nmm a2200000zc 4500</leader><controlfield tag="001">BV048269603</controlfield><controlfield tag="003">DE-604</controlfield><controlfield tag="007">cr|uuu---uuuuu</controlfield><controlfield tag="008">220609s2016 |||| o||u| ||||||eng d</controlfield><datafield tag="024" ind1="7" ind2=" "><subfield code="a">10.1596/1813-9450-7680</subfield><subfield code="2">doi</subfield></datafield><datafield tag="035" ind1=" " ind2=" "><subfield code="a">(ZDB-1-WBA)NLM010468668</subfield></datafield><datafield tag="035" ind1=" " ind2=" "><subfield code="a">(OCoLC)1334018548</subfield></datafield><datafield tag="035" ind1=" " ind2=" "><subfield code="a">(DE-599)GBVNLM010468668</subfield></datafield><datafield tag="040" ind1=" " ind2=" "><subfield code="a">DE-604</subfield><subfield code="b">ger</subfield><subfield code="e">rda</subfield></datafield><datafield tag="041" ind1="0" ind2=" "><subfield code="a">eng</subfield></datafield><datafield tag="049" ind1=" " ind2=" "><subfield code="a">DE-12</subfield><subfield code="a">DE-521</subfield><subfield code="a">DE-573</subfield><subfield code="a">DE-523</subfield><subfield code="a">DE-Re13</subfield><subfield code="a">DE-19</subfield><subfield code="a">DE-355</subfield><subfield code="a">DE-703</subfield><subfield code="a">DE-91</subfield><subfield code="a">DE-706</subfield><subfield code="a">DE-29</subfield><subfield code="a">DE-M347</subfield><subfield code="a">DE-473</subfield><subfield code="a">DE-824</subfield><subfield code="a">DE-20</subfield><subfield code="a">DE-739</subfield><subfield code="a">DE-1043</subfield><subfield code="a">DE-863</subfield><subfield code="a">DE-862</subfield></datafield><datafield tag="100" ind1="1" ind2=" "><subfield code="a">Jia, Xiangping</subfield><subfield code="e">Verfasser</subfield><subfield code="4">aut</subfield></datafield><datafield tag="245" ind1="1" ind2="0"><subfield code="a">Commercialization and Mission Drift</subfield><subfield code="b">Evidence from a Large Chinese Microfinance Institution</subfield><subfield code="c">Xiangping Jia</subfield></datafield><datafield tag="264" ind1=" " ind2="1"><subfield code="a">Washington, D.C</subfield><subfield code="b">The World Bank</subfield><subfield code="c">2016</subfield></datafield><datafield tag="300" ind1=" " ind2=" "><subfield code="a">1 Online-Ressource (44 p)</subfield></datafield><datafield tag="336" ind1=" " ind2=" "><subfield code="b">txt</subfield><subfield code="2">rdacontent</subfield></datafield><datafield tag="337" ind1=" " ind2=" "><subfield code="b">c</subfield><subfield code="2">rdamedia</subfield></datafield><datafield tag="338" ind1=" " ind2=" "><subfield code="b">cr</subfield><subfield code="2">rdacarrier</subfield></datafield><datafield tag="490" ind1="0" ind2=" "><subfield code="a">World Bank E-Library Archive</subfield></datafield><datafield tag="520" ind1=" " ind2=" "><subfield code="a">Front-line loan officers of microfinance institutions are important in acquiring information on potential borrowers and selecting them in accordance with the microfinance institution's mission. This study uses a unique data set on loan officers and their loan portfolios from China's largest nongovernmental organization microfinance institution to test whether officers' personal characteristics affect the size and quality of their loans. The analysis uses a period in which the institution shifted from reliance on government donations and subsidies to commercial sources of funding. Imposing more commercial incentives on loan officers could affect how they balance potentially competing objectives to serve the poor and pursue profitability. The paper finds that loan officers who were formerly farmers or worked in local government were better able to maintain lending to poorer borrowers, without incurring substantially lower repayment rates on their loans. In short, it appears that the career backgrounds of loan officers did play a role in preventing mission drift</subfield></datafield><datafield tag="700" ind1="1" ind2=" "><subfield code="a">Cull, Robert</subfield><subfield code="4">oth</subfield></datafield><datafield tag="700" ind1="1" ind2=" "><subfield code="a">Ma, Tao</subfield><subfield code="4">oth</subfield></datafield><datafield tag="700" ind1="1" ind2=" "><subfield code="a">Guo, Pei</subfield><subfield code="4">oth</subfield></datafield><datafield tag="700" ind1="1" ind2=" "><subfield code="a">Jia, Xiangping</subfield><subfield code="4">oth</subfield></datafield><datafield tag="776" ind1="0" ind2="8"><subfield code="i">Erscheint auch als</subfield><subfield code="n">Druck-Ausgabe</subfield><subfield code="a">Jia, Xiangping</subfield><subfield code="t">Commercialization and Mission Drift : Evidence from a Large Chinese Microfinance Institution</subfield><subfield code="d">Washington, D.C : The World Bank, 2016</subfield></datafield><datafield tag="856" ind1="4" ind2="0"><subfield code="u">https://doi.org/10.1596/1813-9450-7680</subfield><subfield code="x">Verlag</subfield><subfield code="z">kostenfrei</subfield><subfield code="3">Volltext</subfield></datafield><datafield tag="912" ind1=" " ind2=" "><subfield code="a">ZDB-1-WBA</subfield></datafield><datafield tag="943" ind1="1" ind2=" "><subfield code="a">oai:aleph.bib-bvb.de:BVB01-033649798</subfield></datafield></record></collection> |
| id | DE-604.BV048269603 |
| illustrated | Not Illustrated |
| index_date | 2024-07-03T20:00:01Z |
| indexdate | 2024-10-12T04:01:54Z |
| institution | BVB |
| language | English |
| oai_aleph_id | oai:aleph.bib-bvb.de:BVB01-033649798 |
| oclc_num | 1334018548 |
| open_access_boolean | 1 |
| owner | DE-12 DE-521 DE-573 DE-523 DE-Re13 DE-BY-UBR DE-19 DE-BY-UBM DE-355 DE-BY-UBR DE-703 DE-91 DE-BY-TUM DE-706 DE-29 DE-M347 DE-473 DE-BY-UBG DE-824 DE-20 DE-739 DE-1043 DE-863 DE-BY-FWS DE-862 DE-BY-FWS |
| owner_facet | DE-12 DE-521 DE-573 DE-523 DE-Re13 DE-BY-UBR DE-19 DE-BY-UBM DE-355 DE-BY-UBR DE-703 DE-91 DE-BY-TUM DE-706 DE-29 DE-M347 DE-473 DE-BY-UBG DE-824 DE-20 DE-739 DE-1043 DE-863 DE-BY-FWS DE-862 DE-BY-FWS |
| physical | 1 Online-Ressource (44 p) |
| psigel | ZDB-1-WBA |
| publishDate | 2016 |
| publishDateSearch | 2016 |
| publishDateSort | 2016 |
| publisher | The World Bank |
| record_format | marc |
| series2 | World Bank E-Library Archive |
| spellingShingle | Jia, Xiangping Commercialization and Mission Drift Evidence from a Large Chinese Microfinance Institution |
| title | Commercialization and Mission Drift Evidence from a Large Chinese Microfinance Institution |
| title_auth | Commercialization and Mission Drift Evidence from a Large Chinese Microfinance Institution |
| title_exact_search | Commercialization and Mission Drift Evidence from a Large Chinese Microfinance Institution |
| title_exact_search_txtP | Commercialization and Mission Drift Evidence from a Large Chinese Microfinance Institution |
| title_full | Commercialization and Mission Drift Evidence from a Large Chinese Microfinance Institution Xiangping Jia |
| title_fullStr | Commercialization and Mission Drift Evidence from a Large Chinese Microfinance Institution Xiangping Jia |
| title_full_unstemmed | Commercialization and Mission Drift Evidence from a Large Chinese Microfinance Institution Xiangping Jia |
| title_short | Commercialization and Mission Drift |
| title_sort | commercialization and mission drift evidence from a large chinese microfinance institution |
| title_sub | Evidence from a Large Chinese Microfinance Institution |
| url | https://doi.org/10.1596/1813-9450-7680 |
| work_keys_str_mv | AT jiaxiangping commercializationandmissiondriftevidencefromalargechinesemicrofinanceinstitution AT cullrobert commercializationandmissiondriftevidencefromalargechinesemicrofinanceinstitution AT matao commercializationandmissiondriftevidencefromalargechinesemicrofinanceinstitution AT guopei commercializationandmissiondriftevidencefromalargechinesemicrofinanceinstitution |