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            <title xml:lang="en">Geographic diversification and credit risk in microfinance</title>
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            <idno type="halRefHtml">&lt;i&gt;Journal of banking &amp; finance = Journal of banking and finance&lt;/i&gt;, 2019, 109, pp.105665. &lt;a target="_blank" href="https://dx.doi.org/10.1016/j.jbankfin.2019.105665"&gt;&amp;#x27E8;10.1016/j.jbankfin.2019.105665&amp;#x27E9;&lt;/a&gt;</idno>
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                <term xml:lang="en">microfinance geographic diversification credit risk portfolio at risk loan-loss provisions nonperforming loans. JEL: G21 G23 G24 L31 O16</term>
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                <term xml:lang="en">nonperforming loans. JEL: G21</term>
                <term xml:lang="en">loan-loss provisions</term>
                <term xml:lang="en">portfolio at risk</term>
                <term xml:lang="en">credit risk</term>
                <term xml:lang="en">geographic diversification</term>
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              <p>&lt;div&gt;&lt;p&gt;This paper examines the relation between geographic diversification and credit risk in microfinance. The empirical findings from the banking industry are mixed and inconclusive.&lt;/p&gt;&lt;p&gt;This study extends the discussion into a new international setting: the global microfinance industry with lenders having both social and financial objectives. Using a large global sample of microfinance institutions (MFIs), we find that geographic diversification comes with more credit risks. However, this finding is more pronounced among non-shareholder MFIs like NGOs and cooperatives, compared to shareholder-owned MFIs. Moreover, the results show that MFIs can mitigate the effect of geographic diversification on risk with group lending methodology.&lt;/p&gt;&lt;/div&gt;</p>
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