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.

Microcredit, Regional Programs and Credit Guarantees in Italy

Provenzano Vincenzo
;
2019-01-01

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.
Settore SECS-P/06 - Economia Applicata
Settore SECS-P/02 Politica Economica
9788891795526
http://ojs.francoangeli.it/_omp/index.php/oa/catalog/book/425
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.
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Utilizza questo identificativo per citare o creare un link a questo documento: https://hdl.handle.net/10447/398773
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