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Psychometric Qualification in Microfinance
Jose Antonio Rojas Babilonia
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Psychometric Qualification in Microfinance - Rojas Babilonia, Jose Antonio
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Reseña del libro "Psychometric Qualification in Microfinance"
We studied how the psychometric credit evaluation in the process of granting credit to microentrepreneurs influences the profitability of a banking institution, specialized in microfinance, using the variables of effectiveness, efficiency and profit margin (gross, operating and net), to be contrasted with the content of the study. Likewise, such results will be useful for the financial institution to corroborate whether or not the implementation of such credit risk measurement methodology, since its launching, is favorably affecting its profitability ratios and, consequently, is aligned with the financial objectives of the business. It should be noted that the entity will also be able to know whether or not it is promoting financial inclusion in the country. This is in favor of self-employed workers who have no credit experience whatsoever and are eager to obtain loans for the development of their enterprises.
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