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The impact of mobile financial services’ usage on microfinance delinquency

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  • Toni Mora
  • Francesc Prior

Abstract

This paper studies the impact of Mobile Financial Systems’ usage on microcredit delinquency ratios in Tunisia by using either a two-part model or matching econometric procedures. Our large dataset contains all of the administrative registers that belong to the six branches of Enda, the incumbent Institution leader in Tunisia. We find a significant reduction of 4.92 days of late repayment for an average user of MFS in an environment where 15% of loans have been paid late at least once. We foresee a tremendous opportunity to improve the MFIs’ repayment ratios and, consequently, provide microcredit customers with more financing for income generating activities.

Suggested Citation

  • Toni Mora & Francesc Prior, 2018. "The impact of mobile financial services’ usage on microfinance delinquency," Applied Economics, Taylor & Francis Journals, vol. 50(50), pages 5354-5365, October.
    • Handle: RePEc:taf:applec:v:50:y:2018:i:50:p:5354-5365
    DOI: 10.1080/00036846.2018.1486990
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    Cited by:

    1. Jenny Aker & David A Carroll, 2022. "The State of Digital Financial Services in Francophone West Africa," Working Papers hal-03642499, HAL.
    2. Gregor Dorfleitner & Davide Forcella & Quynh Anh Nguyen, 2021. "Why microfinance institutions go digital: An empirical analysis," Working Papers CEB 21-003, ULB -- Universite Libre de Bruxelles.
    3. Tonuchi Emmanuel Joseph, 2020. "How to Improve Mobile Money Service Usage and Adoption by Nigerians in the Era of Covid-19," International Journal of Finance, Insurance and Risk Management, International Journal of Finance, Insurance and Risk Management, vol. 10(3), pages 31-52.

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