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Abstract(s)
O objetivo deste estudo consiste em identificar os determinantes do reembolso do microcrédito em Angola, utilizando uma amostra de 1157 observações fornecidas pelo BPC relativos ao período de 2010-2014. Os resultados desta pesquisa evidenciam que as variáveis, valor do empréstimo, estado civil (casado), instrução (média ou superior), possuem um efeito positivo sobre o reembolso do microcrédito, as mesmas são estatisticamente significativas a 1% com exceção da variável estado civil que é significativa a 5%, isto demonstra que estás variáveis aumentam a probabilidade do reembolso do microcrédito. Porém, as variáveis distrito do negócio, duração do empréstimo e valor da prestação mensal, possuem um efeito negativo sobre o reembolso do microcrédito no território angolano e são estatisticamente significativas a 1%, ou seja, estás variáveis diminuem a probabilidade do reembolso do microcrédito.
The aim of this study is to identify the determinants of repayment of microcredit in Angola, so using a sample of 1157 comments provided by BPC for the period 2010 to 2014. Therefore. The results of this research show that the variables loan value, marital status (married), education (average or higher) have positive effect on microcredit repayment. They are statistically significant at 1% except for the marital status which is 5%. Furthermore, this demonstrates that thesse variables increase the probability of microcredit reimbursement. However, the variables business district, loan duration, and monthly payment amount have negative effect the reimbursement of microcredit in Angola. Moreover, they are statistically significant at 1%. In other words, these variables decrease the likelihood of reimbursement of microcedit.
The aim of this study is to identify the determinants of repayment of microcredit in Angola, so using a sample of 1157 comments provided by BPC for the period 2010 to 2014. Therefore. The results of this research show that the variables loan value, marital status (married), education (average or higher) have positive effect on microcredit repayment. They are statistically significant at 1% except for the marital status which is 5%. Furthermore, this demonstrates that thesse variables increase the probability of microcredit reimbursement. However, the variables business district, loan duration, and monthly payment amount have negative effect the reimbursement of microcredit in Angola. Moreover, they are statistically significant at 1%. In other words, these variables decrease the likelihood of reimbursement of microcedit.
Description
Keywords
Microcrédito Reembolso. Regressão Logística