The effects of personal characteristics and appearance on the approval of loans in the microfinance industry

Date of Publication

2011

Document Type

Bachelor's Thesis

Degree Name

Bachelor of Science in Commerce Major in Management of Financial Institutions

Subject Categories

Finance and Financial Management

College

Ramon V. Del Rosario College of Business

Department/Unit

Financial Management

Thesis Adviser

Junette A. Perez

Defense Panel Member

Edralin Lim
Roderick Bugador
Rodolfo Garganera

Abstract/Summary

The purpose of this study is to determine the effects of personal characteristics and appearance to the approval rate of loans in the microfinance institutions (MFIs). Also, to known which of these characteristics would yield a higher probability of approval. The study used binary data obtained from surveying both lender and borrowers. Regression is done using logistics model for the lender and probit model for the borrowers. The results of the study showed that the following characteristics have an effect to the approval loans: individuals that have tattoos which can be seen during an interview will less likely be approved for the loan, individuals who are fat or obese has lesser chance of approval compared to a thin and average individuals, and individuals who stands taller than 5 feet 6 inches will likely be approved for their loan.

Abstract Format

html

Language

English

Format

Print

Accession Number

TU21198

Shelf Location

Archives, The Learning Commons, 12F, Henry Sy Sr. Hall

Physical Description

63, [7] leaves : illustrations

Keywords

Microfinance--Philippines; Loans, Personal--Philippines

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