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Research Paper | Economics | India | Volume 3 Issue 9, September 2014

Loan Recovery Performance of Credit Officers in Microfinance Institutions: A Case of Assam

Gopal Kumar Sarma ^[2] | Saundarjya Borbora

Abstract: In microfinance institutions, credit officers play a pivotal role not only in granting loan, but also recovery of such loans, which have a future operational implication. This paper seeks to promote better understanding of loan recovery performance of credit officers both qualitatively and quantitatively. The qualitative methodology demonstrates their problem regarding recovery and contextual solution with limited regulatory environment. On the other hand, the quantitative part focuses on the determinants of their recovery performance where it is found that collection time has a positive relation with recovery performance.

Keywords: microfinance institutions, credit officer, loan recovery, north east India, tobit regression

Edition: Volume 3 Issue 9, September 2014,

Pages: 675 - 678