What is the Individual Lending Model?
:4.2 FAQID:121 : global, InputDate: 4/23/2002 Reference: Ledgerwood, Joanna. 1999. Microfinance Handbook – An Institutional and Financial Perspective. The World Bank A: Individual lending model is defined as the provision of credit to individuals who are not members of a group that is jointly responsible for loan repayment. Individual lending requires frequent and close contact with individual clients to provide credit products tailored to the specific needs of the business. It is most successful for larger, urban-based, production oriented businesses and for clients who have some form of collateral or a willing cosigner. In rural areas, individual lending can also be successful with small farmers.
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