A platform for research: civil engineering, architecture and urbanism
A platform for research: civil engineering, architecture and urbanism
Does Public-Loan Management Matter for Sustainable Finance and Operation Risk?
Previous research indicates that small-loan financing is a highly complex process, particularly when public sources provide financial support. This study applies propensity score matching to improve the effectiveness of closer inspection systems. Specifically, it compares before and after implementing propensity score matching (PSM) in terms of closer inspection and operational risk. It also examines similarities and differences among individuals’ demographics regarding the default rate of small business loans. Data pertaining to 589,648 Sunshine Loan debtors are utilized to address the research questions. Results indicate that the default rate with closer inspection is 5.5% lower than without closer inspection. Furthermore, the default rate with operational risk is dramatically lower (15.4%) than that without operational risk. The PSM approach presented here thus illuminates opportunities and challenges in three strategic areas: (1) management of public funds, (2) effectiveness of both closer inspection and operational risk, and (3) risk management for individual borrower types.
Does Public-Loan Management Matter for Sustainable Finance and Operation Risk?
Previous research indicates that small-loan financing is a highly complex process, particularly when public sources provide financial support. This study applies propensity score matching to improve the effectiveness of closer inspection systems. Specifically, it compares before and after implementing propensity score matching (PSM) in terms of closer inspection and operational risk. It also examines similarities and differences among individuals’ demographics regarding the default rate of small business loans. Data pertaining to 589,648 Sunshine Loan debtors are utilized to address the research questions. Results indicate that the default rate with closer inspection is 5.5% lower than without closer inspection. Furthermore, the default rate with operational risk is dramatically lower (15.4%) than that without operational risk. The PSM approach presented here thus illuminates opportunities and challenges in three strategic areas: (1) management of public funds, (2) effectiveness of both closer inspection and operational risk, and (3) risk management for individual borrower types.
Does Public-Loan Management Matter for Sustainable Finance and Operation Risk?
Won Woo Rhee (author) / Hong-Youl Ha (author)
2022
Article (Journal)
Electronic Resource
Unknown
Metadata by DOAJ is licensed under CC BY-SA 1.0
Does `Smart Growth' Matter to Public Finance?
| Online Contents | 2008
Sustainable public finance in aging societies
| UB Braunschweig | 2007
Empirical Evidence of Risks of Public-Loan Finance: Comparison between Self-Employers and SMEs
| DOAJ | 2021
Loan Funding for Sustainable Housing Ownership
| Online Contents | 2001