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Circumstances under which financial institutions would consider using non-traditional collateral to provide loans
Dissertation (MBA)--University of Pretoria, 2014.
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| Format: | Thesis |
| Language: | English |
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University of Pretoria
2015
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| _version_ | 1867613693101998080 |
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| access_status_str | Open Access |
| author2 | Chipp, Kerry |
| author_browse | Chipp, Kerry |
| author_facet | Chipp, Kerry |
| collection | Thesis |
| dc_rights_str_mv | © 2014 University of Pretoria. All rights reserved. The copyright in this work vests in the University of Pretoria. No part of this work may be reproduced or transmitted in any form or by any means, without the prior written permission of the University of Pretoria. |
| description | Dissertation (MBA)--University of Pretoria, 2014. |
| format | Thesis |
| id | oai:repository.up.ac.za:2263/45035 |
| institution | University of Pretoria (South Africa) |
| language | English |
| last_indexed | 2026-06-10T12:40:11.720Z |
| license_str | Other — see source repository |
| provenance_str_mv | Harvested via OAI-PMH from UPSpace — University of Pretoria Institutional Repository |
| publishDate | 2015 |
| publishDateRange | 2015 |
| publishDateSort | 2015 |
| publisher | University of Pretoria |
| publisherStr | University of Pretoria |
| record_format | dspace |
| source_str | UPSpace — University of Pretoria Institutional Repository |
| spelling | oai:repository.up.ac.za:2263/45035 Circumstances under which financial institutions would consider using non-traditional collateral to provide loans Chipp, Kerry ichelp@gibs.co.za Norden, Jeanine UCTD Financial institutions Banks and banking -- Securities Qualitative research Dissertation (MBA)--University of Pretoria, 2014. Based on identified factors, non-traditional collateral secured loans can be viable to low income borrowers in developing markets. By being innovative and adjusting the typical banking business model, these loans can provide funding to people who otherwise would not have been able to get funding through the formalised banking system. A large number of individuals, at the bottom of the pyramid in developing countries, do not have access to property rights (property is usually used as collateral in secured loans). The purpose of this study is to determine if non-traditional collateral secured loans can be provided to individuals, SME’s and entrepreneurs at the bottom of the pyramid in developing markets. A qualitative study was conducted from interviews with Heads of Credit, Chief Risk Officers and Secured Lending Heads in financial institutions that provide secured lending offerings in developing markets. The study indicates that specific behavioural trends are associated with secured loan repayments that indicate favourable for lending institutions. Economies of scale in collateral evaluation and monitoring, is a critical factor to this lending approach to enable cost reduction. Being entrenched in the market and pro-active management in a market where very little infrastructure exist is a key factor to success. lmgibs2015 Gordon Institute of Business Science (GIBS) Unrestricted 2015-05-07T08:42:55Z 2015-05-07T08:42:55Z 2015-04-29 2014 Mini Dissertation Norden, J. (2014).Circumstances under which financial institutions would consider using non-traditional collateral to provide loans (MBA mini-dissertation).Gordon Institute of Business Science, University of Pretoria. Retrieved from http://repository.up.ac.za/handle/2263/1818 http://hdl.handle.net/2263/45035 en © 2014 University of Pretoria. All rights reserved. The copyright in this work vests in the University of Pretoria. No part of this work may be reproduced or transmitted in any form or by any means, without the prior written permission of the University of Pretoria. application/pdf University of Pretoria |
| spellingShingle | UCTD Financial institutions Banks and banking -- Securities Qualitative research Circumstances under which financial institutions would consider using non-traditional collateral to provide loans |
| title | Circumstances under which financial institutions would consider using non-traditional collateral to provide loans |
| title_full | Circumstances under which financial institutions would consider using non-traditional collateral to provide loans |
| title_fullStr | Circumstances under which financial institutions would consider using non-traditional collateral to provide loans |
| title_full_unstemmed | Circumstances under which financial institutions would consider using non-traditional collateral to provide loans |
| title_short | Circumstances under which financial institutions would consider using non-traditional collateral to provide loans |
| title_sort | circumstances under which financial institutions would consider using non traditional collateral to provide loans |
| topic | UCTD Financial institutions Banks and banking -- Securities Qualitative research |
| url | http://hdl.handle.net/2263/45035 |