Microcredit, Regional Programs and Credit Guarantees in Italy

Risultato della ricerca: Conference contribution


This work proposes an analysis of microcredit initiatives analyzed at the territorial level. The differences are analyzed on the basis of distinctive features to identify different ways to develop microcredit in Italy. An empirical analysis is also carried out to verify the existence of a statistically significant correlation between the characteristics of entrepreneurial microcredit programs and their default risk. The presence of credit guarantee systems and the role of bank intermediaries as promoters significantly mitigate the risk of default on these initiatives. Regional microcredit programs do not show significant territorial differences in terms of credit guarantees.
Lingua originaleEnglish
Titolo della pubblicazione ospiteLe regioni d'Europa tra identità locali, nuove comunità e disparità territoriali
Numero di pagine18
Stato di pubblicazionePublished - 2019

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