{"id":22880,"date":"2026-01-07T09:22:16","date_gmt":"2026-01-07T01:22:16","guid":{"rendered":"https:\/\/feb.unram.ac.id\/blog\/news\/lending-relationship-in-the-traditional-credit-market-implications-for-credit-risk-management-strategy-in-micro-credit-institutions\/"},"modified":"2026-01-07T09:22:16","modified_gmt":"2026-01-07T01:22:16","slug":"lending-relationship-in-the-traditional-credit-market-implications-for-credit-risk-management-strategy-in-micro-credit-institutions","status":"publish","type":"post","link":"https:\/\/feb.unram.ac.id\/en\/blog\/lecturers-article\/lending-relationship-in-the-traditional-credit-market-implications-for-credit-risk-management-strategy-in-micro-credit-institutions\/","title":{"rendered":"Lending Relationship in the Traditional Credit Market \u2014 Implications for Credit Risk Management Strategy in Micro Credit Institutions"},"content":{"rendered":"<p>Asymmetric information increases the credit rationing of micro-enterprises. Lender\u2013borrower relationships help to provide this information, thereby increasing the availability of loans. This study aims to investigate the relationship between micro-lenders and micro clients. It is accomplished by describing how such relationships are developed, and analyzing these relationships\u2019 impact on the availability and credit term using multivariate regression. The results showed that the strength of lender\u2013borrower relationships positively impacted credit access, but it did not significantly impact the credit term. Furthermore, the amount of income and loan purpose, as the proxies of business characteristics, negatively impacted credit access. These results highlight the critical role of the lender\u2013borrower relationship and business characteristics in the risk management strategy and the sustainability of microfinance institutions.      <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Asymmetric information increases the credit rationing of micro-enterprises. Lender\u2013borrower relationships [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_EventAllDay":false,"_EventTimezone":"","_EventStartDate":"","_EventEndDate":"","_EventStartDateUTC":"","_EventEndDateUTC":"","_EventShowMap":false,"_EventShowMapLink":false,"_EventURL":"","_EventCost":"","_EventCostDescription":"","_EventCurrencySymbol":"","_EventCurrencyCode":"","_EventCurrencyPosition":"","_EventDateTimeSeparator":"","_EventTimeRangeSeparator":"","_EventOrganizerID":[],"_EventVenueID":[],"_OrganizerEmail":"","_OrganizerPhone":"","_OrganizerWebsite":"","_VenueAddress":"","_VenueCity":"","_VenueCountry":"","_VenueProvince":"","_VenueState":"","_VenueZip":"","_VenuePhone":"","_VenueURL":"","_VenueStateProvince":"","_VenueLat":"","_VenueLng":"","_VenueShowMap":false,"_VenueShowMapLink":false},"categories":[612],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/feb.unram.ac.id\/en\/wp-json\/wp\/v2\/posts\/22880"}],"collection":[{"href":"https:\/\/feb.unram.ac.id\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/feb.unram.ac.id\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/feb.unram.ac.id\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/feb.unram.ac.id\/en\/wp-json\/wp\/v2\/comments?post=22880"}],"version-history":[{"count":0,"href":"https:\/\/feb.unram.ac.id\/en\/wp-json\/wp\/v2\/posts\/22880\/revisions"}],"wp:attachment":[{"href":"https:\/\/feb.unram.ac.id\/en\/wp-json\/wp\/v2\/media?parent=22880"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/feb.unram.ac.id\/en\/wp-json\/wp\/v2\/categories?post=22880"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/feb.unram.ac.id\/en\/wp-json\/wp\/v2\/tags?post=22880"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}