Table 6 Expected impact of each independent variable on the dependent variable
From: A socioeconomic approach to the profile of microcredit holders from the Hispanic minority in the USA
Variable | References | Expected impact on \(b_k\) |
|---|---|---|
Dependent variable | ||
Punctuality of repayments | ||
Independent variables | ||
Personal information | ||
Gender | Nannyonga (2000) | |
Kevane and Wydick (2001) | ||
Johnson (2005) | ||
Pollinger et al. (2007) | ||
Papias and Ganesan (2009) | ||
Campbell and Rogers (2012) | ||
Agier and Szafarz (2013) | ||
− | ||
Ayayi and Sene (2014) | ||
Berg et al. (2015) | ||
Abdullah and Quayes (2016) | ||
Bezboruah and Pillai (2017) | ||
Dasgupta and Tabassum (2017) | ||
Bilau and St-Pierre (2018) | ||
Shahriar et al. (2020) | ||
Age | Nannyonga (2000) | − |
Papias and Ganesan (2009) | ||
Education level | Bhatt and Tang (2002) | |
Hadi et al. (2015) | − | |
Rokhim et al. (2022) | ||
Marital status | Sooryamoorthy (2005) | |
Salazar (2008) | − | |
Santandreu et al. (2020) | ||
Firm’s information | ||
Closeness to the lender | Kassegn and Endris (2022) | − |
Number of workers | Nguta and Huka (2013) | \(+\) |
Revenues | Von Pischke (1991) | |
Nannyonga (2000) | ||
Oke et al. (2007) | − | |
Roslan and Mohd Zaini (2009) | ||
Nawai and Shariff (2012) | ||
Loan’s information | ||
Loan principal | Dorfleitner and Oswald (2016) | \(+\) |
Nawai and Shariff (2012) | ||
Loan term | Dorfleitner and Oswald (2016) | |
Nartea (2012) | \(+\) | |
Mensah (2013) | ||
Loan purpose | Nanayakkara and Stewart (2015) | |
Khan and Dewan (2017) | − | |
Kassegn and Endris (2022) | ||