Barriers of the access to VBSP preferential loans
| Variable | Mean | Median | SDa | Min | Max |
|---|---|---|---|---|---|
| Time to get to nearest bank branch (min) | 37.292 | 40.000 | 11.848 | 10.000 | 60.000 |
| Interest rate ratingb | 2.250 | 2.000 | 0.729 | 1.000 | 3.000 |
| Time to complete loan application (min) | 42.292 | 40.000 | 18.188 | 15.000 | 120.000 |
| Complexity of loan applicationc | 3.604 | 4.000 | 0.893 | 2.000 | 5.000 |
| Time to repay (min) | 17.917 | 15.000 | 9.444 | 10.000 | 60.000 |
| Complexity of repayment procedured | 4.083 | 4.000 | 0.679 | 3.000 | 5.000 |
| Time for bank and relevant parties to consider a loan application (days) | 12.292 | 12.000 | 3.957 | 7.000 | 21.000 |
| Complexity of the procedure of loan application consideratione | 3.917 | 4.000 | 0.577 | 3.000 | 5.000 |
| Time to assess the poverty status for a household (minutes) | 46.542 | 42.500 | 23.211 | 20.000 | 120.000 |
| Transparency of the household poverty status assessmentf | 3.333 | 3.000 | 0.476 | 3.000 | 4.000 |
| Variable | Mean | Median | SDa | Min | Max |
|---|---|---|---|---|---|
| Time to get to nearest bank branch (min) | 37.292 | 40.000 | 11.848 | 10.000 | 60.000 |
| Interest rate ratingb | 2.250 | 2.000 | 0.729 | 1.000 | 3.000 |
| Time to complete loan application (min) | 42.292 | 40.000 | 18.188 | 15.000 | 120.000 |
| Complexity of loan applicationc | 3.604 | 4.000 | 0.893 | 2.000 | 5.000 |
| Time to repay (min) | 17.917 | 15.000 | 9.444 | 10.000 | 60.000 |
| Complexity of repayment procedured | 4.083 | 4.000 | 0.679 | 3.000 | 5.000 |
| Time for bank and relevant parties to consider a loan application (days) | 12.292 | 12.000 | 3.957 | 7.000 | 21.000 |
| Complexity of the procedure of loan application consideratione | 3.917 | 4.000 | 0.577 | 3.000 | 5.000 |
| Time to assess the poverty status for a household (minutes) | 46.542 | 42.500 | 23.211 | 20.000 | 120.000 |
| Transparency of the household poverty status assessmentf | 3.333 | 3.000 | 0.476 | 3.000 | 4.000 |
Note(s): aStandard deviation, b(1 = not reasonable, 2 = reasonable, 3 = low), c(1 = very complex, 2 = moderate complex, 3 = not complex, 4 = simple, 5 = very simple), d(1 = very complex, 2 = modest complex, 3 = no complex, 4 = simple, 5 = very simple), e(1 = very complex, 2 = moderate complex, 3 = no complex, 4 = simple, 5 = very simple), f(1 = not transparent, 2 = moderate transparent, 3 = transparent, 4 = very transparent, 5 = total transparent)
Source(s): Calculated by the author based on the interview data
Sharing content requires targeting cookies to be enabled. Please update your cookie preferences to use this feature.