Microfinance in crisis

The Prevention Dashboard of Microcredit Crises is an outcome of a research project funded by the European Investment Bank University Research Sponsorship Programme (EIBURS). The research aimed to provide a comprehensive analysis of the primary factors contributing to microcredit delinquency, including governance, regulation, market saturation, and political influence. It also aimed to examine the specific nature and interplay of these factors in various economic, growth, and market maturity contexts, in order to develop a typology of delinquency crises.

The prevailing notion is that it is not possible to approach all microcredit crises in the same manner, as they can differ not only in terms of their root cause (demand, supply, or environmental issues), but also in terms of their impact on clients, microfinance institutions (MFIs), or regions/countries.

Only a systemic analysis that not only focuses on specific aspects of demand, supply, and the environment, or solely on clients, MFIs, or countries, but also seeks to assess interactions among these components and understand emerging behaviors, can truly grasp the complexity of microfinance crises and have the potential to provide early warnings.

The Dashboard Graph is a tool intended for practitioners that shows how multiple actors interact and helps identify key risk factors. The working paper (available here), applies the graph to different types of crises and demonstrates practical uses of the dashboard.


Isabelle Guérin,
Université Paris Diderot,
Case courrier 7017,

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