| H1: Procedural-Deficiencies (PD) have a positive impact on Client-Business-Performance (CBP) | ✔ | |
| H2: Malpractices in Credit-Assessment have a positive impact on Client-Business- Performance (CBP) | ✔ | |
| H3: Procedural-Deficiencies (PD) have a positive impact on Loan-Repayment-Problems (LRP). | ✔ | |
| H4: Malpractices in Credit-Assessment have a positive impact on Loan-Repayment- Problems (LRP) | ✔ | |
| H5: Client-Business-Performance (CBP) has a mediating role between the Procedural- Deficiencies (PD) and Loan-Repayment-Problems (LRP) | | ✔ |
| H6: Client-Business-Performance (CBP) has a mediating role between the Malpractices in Credit-Assessment (MPCA) and Loan-Repayment-Problems (LRP) | ✔ | |
| H7: Professional-Experience (PE) of MFIs employees moderate the relationship of Procedural-Deficiencies (PD) and Loan-Repayment-Problems (LRP) | ✔ | |
| H8: Professional-Experience (PE) of MFIs employees moderate the relationship of Malpractice in Credit-Assessment (MPCA) and Loan-Repayment-Problems (LRP) | | ✔ |