This work proposes an analysis of microcredit initiatives analyzed at the territorial level. The differences are analyzed on the basis of distinctive features to identify different ways to develop microcredit in Italy. An empirical analysis is also carried out to verify the existence of a statistically significant correlation between the characteristics of entrepreneurial microcredit programs and their default risk. The presence of credit guarantee systems and the role of bank intermediaries as promoters significantly mitigate the risk of default on these initiatives. Regional microcredit programs do not show significant territorial differences in terms of credit guarantees.
Provenzano Vincenzo, & Arnone Massimo (2019). Microcredit, Regional Programs and Credit Guarantees in Italy. In Lattarulo P, Omizzolo A, Palermo F, Provenzano V, & Streifeneder T (a cura di), Le regioni d'Europa tra identità locali, nuove comunità e disparità territoriali (pp. 203-220). Franco Angeli Editore.
Data di pubblicazione: | 2019 |
Titolo: | Microcredit, Regional Programs and Credit Guarantees in Italy |
Autori: | |
Citazione: | Provenzano Vincenzo, & Arnone Massimo (2019). Microcredit, Regional Programs and Credit Guarantees in Italy. In Lattarulo P, Omizzolo A, Palermo F, Provenzano V, & Streifeneder T (a cura di), Le regioni d'Europa tra identità locali, nuove comunità e disparità territoriali (pp. 203-220). Franco Angeli Editore. |
Abstract: | This work proposes an analysis of microcredit initiatives analyzed at the territorial level. The differences are analyzed on the basis of distinctive features to identify different ways to develop microcredit in Italy. An empirical analysis is also carried out to verify the existence of a statistically significant correlation between the characteristics of entrepreneurial microcredit programs and their default risk. The presence of credit guarantee systems and the role of bank intermediaries as promoters significantly mitigate the risk of default on these initiatives. Regional microcredit programs do not show significant territorial differences in terms of credit guarantees. |
URL: | http://ojs.francoangeli.it/_omp/index.php/oa/catalog/book/425 |
ISBN: | 9788891795526 |
Settore Scientifico Disciplinare: | Settore SECS-P/06 - Economia Applicata Settore SECS-P/02 Politica Economica |
Appare nelle tipologie: | 2.07 Contributo in atti di convegno pubblicato in volume |
File in questo prodotto:
File | Descrizione | Tipologia | Licenza | |
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Book Manuscript_Aisre2019_articolo_Arnone_Provenzano2019.pdf | contributo autori ed indice libro | Versione Editoriale | Open Access Visualizza/Apri |