Demographic Characteristics of Credit Officers and Risk Management in MFIs in Tanzania
| dc.contributor.author | Richard, Evelyn M | |
| dc.contributor.author | Mori, Neema G | |
| dc.contributor.author | Swai, Martha | |
| dc.date.accessioned | 2019-06-26T08:59:35Z | |
| dc.date.available | 2019-06-26T08:59:35Z | |
| dc.date.issued | 2019 | |
| dc.description.abstract | Purpose: This article examines the effect of demographic features of credit officers on risk management in MFIs Methodology: A dataset of 200 credit officers from 20 MFIs in Tanzania was used. Descriptive and econometric models were used for analysis. Findings: Work experience, age and education level of credit officers influence credit risk management. Based on the information asymmetry theory the study observed that the gender, marital status and the location of MFIs do not influence credit risk management. Practical implications: MFIs should consider the demographic profile of their credit officers and employ educated, skilled and experienced personnel for screening and monitoring the use of the loan to reduce the risk of the loan not being repaid. Originality: The study contributes to the theory by showing that experience and education matter in terms of organizations' ability to reduce information asymmetric problems, which in turn helps risk management. | en_US |
| dc.identifier.doi | org/10.3362/1755-1986.00023 | |
| dc.identifier.issn | 1755-1978 (print) 1755-1986 (online | |
| dc.identifier.uri | http://hdl.handle.net/20.500.11810/5259 | |
| dc.publisher | Practical Action Publishing | en_US |
| dc.subject | Credit officers, risk management, portfolio at risk | en_US |
| dc.title | Demographic Characteristics of Credit Officers and Risk Management in MFIs in Tanzania | en_US |
| dc.type | Journal Article, Peer Reviewed | en_US |