A socioeconomic approach to the profile of microcredit holders from the Hispanic minority in the USA

Abstract The subject of this study is the microcredit market in the USA, more specifically in Florida. The justification for choosing this specific state is the massive presence of the Hispanic population. This will facilitate a generalization of the obtained results to the microcredit market in Lat...
Ausführliche Beschreibung

Gespeichert in:

Autor*in:	Cruz Rambaud, Salvador [verfasserIn] López Pascual, Joaquín Santandreu, Emilio M.

Format:	E-Artikel
Sprache:	Englisch

Erschienen:	2023

Schlagwörter:	Microcredit Customer profile Socioeconomic factors Multinomial logit regression Repayment Microentrepreneurship

Anmerkung:	© The Author(s) 2023

Übergeordnetes Werk:	Enthalten in: Financial innovation - Heidelberg : SpringerOpen, 2015, 9(2023), 1 vom: 10. Jan.
Übergeordnetes Werk:	volume:9 ; year:2023 ; number:1 ; day:10 ; month:01

Links:	Volltext

DOI / URN:	10.1186/s40854-022-00422-w

Katalog-ID:	SPR04902633X

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spelling	10.1186/s40854-022-00422-w doi (DE-627)SPR04902633X (SPR)s40854-022-00422-w-e DE-627 ger DE-627 rakwb eng Cruz Rambaud, Salvador verfasserin (orcid)0000-0002-1318-1221 aut A socioeconomic approach to the profile of microcredit holders from the Hispanic minority in the USA 2023 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier © The Author(s) 2023 Abstract The subject of this study is the microcredit market in the USA, more specifically in Florida. The justification for choosing this specific state is the massive presence of the Hispanic population. This will facilitate a generalization of the obtained results to the microcredit market in Latin American countries. Thus, the objective of this study is to analyze the profile of microcredit holders and their companies from socioeconomic and financial points of view. As our data also consider the degree of repayment of the microloans included in the sample, the clients’ profile is related to the punctuality or default of their corresponding loan repayments using the methodology of multinomial logit regression. The variables used in this study refer to personal information concerning borrowers (gender, age, education level, and marital status), the economic situation of their respective companies (closeness to the lender, number of workers, and revenues), and the characteristics of granted loans (principal, term, and purpose). However, the results of the regression show that only two variables are significant at the 5% significance level: the borrower’s age, which has a positive effect on repayment punctuality, and the loan term, which exhibits a negative effect. The findings of this study have clear implications, as they can help lenders design suitable microloans adjusted to customer profiles. Finally, future research should include other demographics and characteristics of affected companies. Microcredit (dpeaa)DE-He213 Customer profile (dpeaa)DE-He213 Socioeconomic factors (dpeaa)DE-He213 Multinomial logit regression (dpeaa)DE-He213 Repayment (dpeaa)DE-He213 Microentrepreneurship (dpeaa)DE-He213 López Pascual, Joaquín aut Santandreu, Emilio M. aut Enthalten in Financial innovation Heidelberg : SpringerOpen, 2015 9(2023), 1 vom: 10. Jan. (DE-627)827572417 (DE-600)2824759-0 2199-4730 nnns volume:9 year:2023 number:1 day:10 month:01 https://dx.doi.org/10.1186/s40854-022-00422-w kostenfrei Volltext GBV_USEFLAG_A SYSFLAG_A GBV_SPRINGER GBV_ILN_11 GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_39 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_63 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_73 GBV_ILN_95 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_152 GBV_ILN_161 GBV_ILN_170 GBV_ILN_206 GBV_ILN_213 GBV_ILN_230 GBV_ILN_285 GBV_ILN_293 GBV_ILN_370 GBV_ILN_602 GBV_ILN_2009 GBV_ILN_2014 GBV_ILN_2034 GBV_ILN_2055 GBV_ILN_2108 GBV_ILN_2111 GBV_ILN_4012 GBV_ILN_4037 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4126 GBV_ILN_4249 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4335 GBV_ILN_4338 GBV_ILN_4367 GBV_ILN_4700 AR 9 2023 1 10 01
allfields_unstemmed	10.1186/s40854-022-00422-w doi (DE-627)SPR04902633X (SPR)s40854-022-00422-w-e DE-627 ger DE-627 rakwb eng Cruz Rambaud, Salvador verfasserin (orcid)0000-0002-1318-1221 aut A socioeconomic approach to the profile of microcredit holders from the Hispanic minority in the USA 2023 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier © The Author(s) 2023 Abstract The subject of this study is the microcredit market in the USA, more specifically in Florida. The justification for choosing this specific state is the massive presence of the Hispanic population. This will facilitate a generalization of the obtained results to the microcredit market in Latin American countries. Thus, the objective of this study is to analyze the profile of microcredit holders and their companies from socioeconomic and financial points of view. As our data also consider the degree of repayment of the microloans included in the sample, the clients’ profile is related to the punctuality or default of their corresponding loan repayments using the methodology of multinomial logit regression. The variables used in this study refer to personal information concerning borrowers (gender, age, education level, and marital status), the economic situation of their respective companies (closeness to the lender, number of workers, and revenues), and the characteristics of granted loans (principal, term, and purpose). However, the results of the regression show that only two variables are significant at the 5% significance level: the borrower’s age, which has a positive effect on repayment punctuality, and the loan term, which exhibits a negative effect. The findings of this study have clear implications, as they can help lenders design suitable microloans adjusted to customer profiles. Finally, future research should include other demographics and characteristics of affected companies. Microcredit (dpeaa)DE-He213 Customer profile (dpeaa)DE-He213 Socioeconomic factors (dpeaa)DE-He213 Multinomial logit regression (dpeaa)DE-He213 Repayment (dpeaa)DE-He213 Microentrepreneurship (dpeaa)DE-He213 López Pascual, Joaquín aut Santandreu, Emilio M. aut Enthalten in Financial innovation Heidelberg : SpringerOpen, 2015 9(2023), 1 vom: 10. Jan. (DE-627)827572417 (DE-600)2824759-0 2199-4730 nnns volume:9 year:2023 number:1 day:10 month:01 https://dx.doi.org/10.1186/s40854-022-00422-w kostenfrei Volltext GBV_USEFLAG_A SYSFLAG_A GBV_SPRINGER GBV_ILN_11 GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_39 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_63 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_73 GBV_ILN_95 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_152 GBV_ILN_161 GBV_ILN_170 GBV_ILN_206 GBV_ILN_213 GBV_ILN_230 GBV_ILN_285 GBV_ILN_293 GBV_ILN_370 GBV_ILN_602 GBV_ILN_2009 GBV_ILN_2014 GBV_ILN_2034 GBV_ILN_2055 GBV_ILN_2108 GBV_ILN_2111 GBV_ILN_4012 GBV_ILN_4037 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4126 GBV_ILN_4249 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4335 GBV_ILN_4338 GBV_ILN_4367 GBV_ILN_4700 AR 9 2023 1 10 01
allfieldsGer	10.1186/s40854-022-00422-w doi (DE-627)SPR04902633X (SPR)s40854-022-00422-w-e DE-627 ger DE-627 rakwb eng Cruz Rambaud, Salvador verfasserin (orcid)0000-0002-1318-1221 aut A socioeconomic approach to the profile of microcredit holders from the Hispanic minority in the USA 2023 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier © The Author(s) 2023 Abstract The subject of this study is the microcredit market in the USA, more specifically in Florida. The justification for choosing this specific state is the massive presence of the Hispanic population. This will facilitate a generalization of the obtained results to the microcredit market in Latin American countries. Thus, the objective of this study is to analyze the profile of microcredit holders and their companies from socioeconomic and financial points of view. As our data also consider the degree of repayment of the microloans included in the sample, the clients’ profile is related to the punctuality or default of their corresponding loan repayments using the methodology of multinomial logit regression. The variables used in this study refer to personal information concerning borrowers (gender, age, education level, and marital status), the economic situation of their respective companies (closeness to the lender, number of workers, and revenues), and the characteristics of granted loans (principal, term, and purpose). However, the results of the regression show that only two variables are significant at the 5% significance level: the borrower’s age, which has a positive effect on repayment punctuality, and the loan term, which exhibits a negative effect. The findings of this study have clear implications, as they can help lenders design suitable microloans adjusted to customer profiles. Finally, future research should include other demographics and characteristics of affected companies. Microcredit (dpeaa)DE-He213 Customer profile (dpeaa)DE-He213 Socioeconomic factors (dpeaa)DE-He213 Multinomial logit regression (dpeaa)DE-He213 Repayment (dpeaa)DE-He213 Microentrepreneurship (dpeaa)DE-He213 López Pascual, Joaquín aut Santandreu, Emilio M. aut Enthalten in Financial innovation Heidelberg : SpringerOpen, 2015 9(2023), 1 vom: 10. Jan. (DE-627)827572417 (DE-600)2824759-0 2199-4730 nnns volume:9 year:2023 number:1 day:10 month:01 https://dx.doi.org/10.1186/s40854-022-00422-w kostenfrei Volltext GBV_USEFLAG_A SYSFLAG_A GBV_SPRINGER GBV_ILN_11 GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_39 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_63 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_73 GBV_ILN_95 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_152 GBV_ILN_161 GBV_ILN_170 GBV_ILN_206 GBV_ILN_213 GBV_ILN_230 GBV_ILN_285 GBV_ILN_293 GBV_ILN_370 GBV_ILN_602 GBV_ILN_2009 GBV_ILN_2014 GBV_ILN_2034 GBV_ILN_2055 GBV_ILN_2108 GBV_ILN_2111 GBV_ILN_4012 GBV_ILN_4037 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4126 GBV_ILN_4249 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4335 GBV_ILN_4338 GBV_ILN_4367 GBV_ILN_4700 AR 9 2023 1 10 01
allfieldsSound	10.1186/s40854-022-00422-w doi (DE-627)SPR04902633X (SPR)s40854-022-00422-w-e DE-627 ger DE-627 rakwb eng Cruz Rambaud, Salvador verfasserin (orcid)0000-0002-1318-1221 aut A socioeconomic approach to the profile of microcredit holders from the Hispanic minority in the USA 2023 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier © The Author(s) 2023 Abstract The subject of this study is the microcredit market in the USA, more specifically in Florida. The justification for choosing this specific state is the massive presence of the Hispanic population. This will facilitate a generalization of the obtained results to the microcredit market in Latin American countries. Thus, the objective of this study is to analyze the profile of microcredit holders and their companies from socioeconomic and financial points of view. As our data also consider the degree of repayment of the microloans included in the sample, the clients’ profile is related to the punctuality or default of their corresponding loan repayments using the methodology of multinomial logit regression. The variables used in this study refer to personal information concerning borrowers (gender, age, education level, and marital status), the economic situation of their respective companies (closeness to the lender, number of workers, and revenues), and the characteristics of granted loans (principal, term, and purpose). However, the results of the regression show that only two variables are significant at the 5% significance level: the borrower’s age, which has a positive effect on repayment punctuality, and the loan term, which exhibits a negative effect. The findings of this study have clear implications, as they can help lenders design suitable microloans adjusted to customer profiles. Finally, future research should include other demographics and characteristics of affected companies. Microcredit (dpeaa)DE-He213 Customer profile (dpeaa)DE-He213 Socioeconomic factors (dpeaa)DE-He213 Multinomial logit regression (dpeaa)DE-He213 Repayment (dpeaa)DE-He213 Microentrepreneurship (dpeaa)DE-He213 López Pascual, Joaquín aut Santandreu, Emilio M. aut Enthalten in Financial innovation Heidelberg : SpringerOpen, 2015 9(2023), 1 vom: 10. Jan. (DE-627)827572417 (DE-600)2824759-0 2199-4730 nnns volume:9 year:2023 number:1 day:10 month:01 https://dx.doi.org/10.1186/s40854-022-00422-w kostenfrei Volltext GBV_USEFLAG_A SYSFLAG_A GBV_SPRINGER GBV_ILN_11 GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_39 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_63 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_73 GBV_ILN_95 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_152 GBV_ILN_161 GBV_ILN_170 GBV_ILN_206 GBV_ILN_213 GBV_ILN_230 GBV_ILN_285 GBV_ILN_293 GBV_ILN_370 GBV_ILN_602 GBV_ILN_2009 GBV_ILN_2014 GBV_ILN_2034 GBV_ILN_2055 GBV_ILN_2108 GBV_ILN_2111 GBV_ILN_4012 GBV_ILN_4037 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4126 GBV_ILN_4249 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4335 GBV_ILN_4338 GBV_ILN_4367 GBV_ILN_4700 AR 9 2023 1 10 01
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topic_facet	Microcredit Customer profile Socioeconomic factors Multinomial logit regression Repayment Microentrepreneurship
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authorswithroles_txt_mv	Cruz Rambaud, Salvador @@aut@@ López Pascual, Joaquín @@aut@@ Santandreu, Emilio M. @@aut@@
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author	Cruz Rambaud, Salvador
spellingShingle	Cruz Rambaud, Salvador misc Microcredit misc Customer profile misc Socioeconomic factors misc Multinomial logit regression misc Repayment misc Microentrepreneurship A socioeconomic approach to the profile of microcredit holders from the Hispanic minority in the USA
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topic_title	A socioeconomic approach to the profile of microcredit holders from the Hispanic minority in the USA Microcredit (dpeaa)DE-He213 Customer profile (dpeaa)DE-He213 Socioeconomic factors (dpeaa)DE-He213 Multinomial logit regression (dpeaa)DE-He213 Repayment (dpeaa)DE-He213 Microentrepreneurship (dpeaa)DE-He213
topic	misc Microcredit misc Customer profile misc Socioeconomic factors misc Multinomial logit regression misc Repayment misc Microentrepreneurship
topic_unstemmed	misc Microcredit misc Customer profile misc Socioeconomic factors misc Multinomial logit regression misc Repayment misc Microentrepreneurship
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title	A socioeconomic approach to the profile of microcredit holders from the Hispanic minority in the USA
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title_full	A socioeconomic approach to the profile of microcredit holders from the Hispanic minority in the USA
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title_sort	socioeconomic approach to the profile of microcredit holders from the hispanic minority in the usa
title_auth	A socioeconomic approach to the profile of microcredit holders from the Hispanic minority in the USA
abstract	Abstract The subject of this study is the microcredit market in the USA, more specifically in Florida. The justification for choosing this specific state is the massive presence of the Hispanic population. This will facilitate a generalization of the obtained results to the microcredit market in Latin American countries. Thus, the objective of this study is to analyze the profile of microcredit holders and their companies from socioeconomic and financial points of view. As our data also consider the degree of repayment of the microloans included in the sample, the clients’ profile is related to the punctuality or default of their corresponding loan repayments using the methodology of multinomial logit regression. The variables used in this study refer to personal information concerning borrowers (gender, age, education level, and marital status), the economic situation of their respective companies (closeness to the lender, number of workers, and revenues), and the characteristics of granted loans (principal, term, and purpose). However, the results of the regression show that only two variables are significant at the 5% significance level: the borrower’s age, which has a positive effect on repayment punctuality, and the loan term, which exhibits a negative effect. The findings of this study have clear implications, as they can help lenders design suitable microloans adjusted to customer profiles. Finally, future research should include other demographics and characteristics of affected companies. © The Author(s) 2023
abstractGer	Abstract The subject of this study is the microcredit market in the USA, more specifically in Florida. The justification for choosing this specific state is the massive presence of the Hispanic population. This will facilitate a generalization of the obtained results to the microcredit market in Latin American countries. Thus, the objective of this study is to analyze the profile of microcredit holders and their companies from socioeconomic and financial points of view. As our data also consider the degree of repayment of the microloans included in the sample, the clients’ profile is related to the punctuality or default of their corresponding loan repayments using the methodology of multinomial logit regression. The variables used in this study refer to personal information concerning borrowers (gender, age, education level, and marital status), the economic situation of their respective companies (closeness to the lender, number of workers, and revenues), and the characteristics of granted loans (principal, term, and purpose). However, the results of the regression show that only two variables are significant at the 5% significance level: the borrower’s age, which has a positive effect on repayment punctuality, and the loan term, which exhibits a negative effect. The findings of this study have clear implications, as they can help lenders design suitable microloans adjusted to customer profiles. Finally, future research should include other demographics and characteristics of affected companies. © The Author(s) 2023
abstract_unstemmed	Abstract The subject of this study is the microcredit market in the USA, more specifically in Florida. The justification for choosing this specific state is the massive presence of the Hispanic population. This will facilitate a generalization of the obtained results to the microcredit market in Latin American countries. Thus, the objective of this study is to analyze the profile of microcredit holders and their companies from socioeconomic and financial points of view. As our data also consider the degree of repayment of the microloans included in the sample, the clients’ profile is related to the punctuality or default of their corresponding loan repayments using the methodology of multinomial logit regression. The variables used in this study refer to personal information concerning borrowers (gender, age, education level, and marital status), the economic situation of their respective companies (closeness to the lender, number of workers, and revenues), and the characteristics of granted loans (principal, term, and purpose). However, the results of the regression show that only two variables are significant at the 5% significance level: the borrower’s age, which has a positive effect on repayment punctuality, and the loan term, which exhibits a negative effect. The findings of this study have clear implications, as they can help lenders design suitable microloans adjusted to customer profiles. Finally, future research should include other demographics and characteristics of affected companies. © The Author(s) 2023
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title_short	A socioeconomic approach to the profile of microcredit holders from the Hispanic minority in the USA
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A socioeconomic approach to the profile of microcredit holders from the Hispanic minority in the USA

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