Microfinance approach to risk assessment of market and street vendors in Mozambique
This paper discusses how microfinance banks appraise risks in lending to very small businesses. It argues that when one operates in small business markets, the knowledge of the market is even more useful than technical skills required to appraise risks. An intuitive assessment may deliver better results than a simple quantitative method, and as such, a good team of loan officers, managers and auditors is necessary to create wealth portfolios. The process of risk management that starts from the first contact with the client through business and household evaluation has to be quick and to warn of significant threats. This paper examines risk assessment in the context of market and street vendors in Maputo city and province, Mozambique.Fishelson-Holstine, H. (2004) The Role of Credit Scoring in Increasing Homeownership for Underserved Populations, Cambridge, MA: Joint Center for Housing Studies, Harvard University.
National Institute of Statistics (2006) Methodology Handbook — Informal Sector in Mozambique: First National Survey (INFOR - 2004), Instituto Nacional de Estatística, Maputo, Moçambique. Available from: <http://mpra.ub.uni-muenchen.de/3703/x≯ [accessed 8 February 2013]. http://mpra.ub.uni-muenchen.de/3703/x
Schumpeter, J.A. (1911) The Theory of Economic Development, Cambridge, MA: Harvard University Press [trans. 1934].
Fishelson-Holstine, H. (2004) The Role of Credit Scoring in Increasing Homeownership for Underserved Populations, Cambridge, MA: Joint Center for Housing Studies, Harvard University.
National Institute of Statistics (2006) Methodology Handbook — Informal Sector in Mozambique: First National Survey (INFOR - 2004), Instituto Nacional de Estatística, Maputo, Moçambique. Available from: <http://mpra.ub.uni-muenchen.de/3703/x≯ [accessed 8 February 2013]. http://mpra.ub.uni-muenchen.de/3703/x
Schumpeter, J.A. (1911) The Theory of Economic Development, Cambridge, MA: Harvard University Press [trans. 1934].
Fishelson-Holstine, H. (2004) The Role of Credit Scoring in Increasing Homeownership for Underserved Populations, Cambridge, MA: Joint Center for Housing Studies, Harvard University.
National Institute of Statistics (2006) Methodology Handbook — Informal Sector in Mozambique: First National Survey (INFOR - 2004), Instituto Nacional de Estatística, Maputo, Moçambique. Available from: <http://mpra.ub.uni-muenchen.de/3703/x≯ [accessed 8 February 2013]. http://mpra.ub.uni-muenchen.de/3703/x
Schumpeter, J.A. (1911) The Theory of Economic Development, Cambridge, MA: Harvard University Press [trans. 1934].
Fishelson-Holstine, H. (2004) The Role of Credit Scoring in Increasing Homeownership for Underserved Populations, Cambridge, MA: Joint Center for Housing Studies, Harvard University.
National Institute of Statistics (2006) Methodology Handbook — Informal Sector in Mozambique: First National Survey (INFOR - 2004), Instituto Nacional de Estatística, Maputo, Moçambique. Available from: <http://mpra.ub.uni-muenchen.de/3703/x≯ [accessed 8 February 2013]. http://mpra.ub.uni-muenchen.de/3703/x
Schumpeter, J.A. (1911) The Theory of Economic Development, Cambridge, MA: Harvard University Press [trans. 1934].
The effect of poverty on street vending through sequential mediations of education, immigration, and unemployment
Al-Jundi, Salem A.
Ali, Murad
Latan, Hengky
Al-Janabi, Haitham A.
Sustainable Cities and Society, Vol. 62 (2020), Iss. P.102316
https://doi.org/10.1016/j.scs.2020.102316 [Citations: 18]The Impact of Urban Culture on Street Vending: A Path Model Analysis of the General Public's Perspective
Al-Jundi, Salem A.
Al-Janabi, Haitham A.
Salam, Mohammad Asif
Bajaba, Saleh
Ullah, Shakir
Frontiers in Psychology, Vol. 12 (2022), Iss.
https://doi.org/10.3389/fpsyg.2021.831014 [Citations: 4]- Value chain financing: evidence from Zambia on smallholder access to finance for mechanization
- Developing agro-pastoral entrepreneurship: bundling blended finance and technology
- Boosting financial inclusion through social assistance reform: evidence-based approach in selecting a payment system
- Building frontline market facilitators' capacity: the case of the ‘Integrating Very Poor Producers into Value Chains Field Guide’
- Impact of COVID-19 on livestock exports from Somalia and the Horn of Africa
Browse our other journals
