Non-parametric and semi-parametric estimation of the loan repayment period at the CAHI Savings and Credit Cooperative
DOI:
https://doi.org/10.59051/joaf.v8i2.110Abstract
The purpose of this paper is to analyze, for the cohort of borrowers in the years 2014 and 2015 at Cahi savings and credit cooperative, the distribution of loan repayment over time and to determine the factors of the likelihood of the last repayment. Our results using the actuarial method and the Cox model proved that 64% of borrowers had not yet repaid their full credit until the study period. The
variables rationing, warranty value, gender and work experience have a significant influence on the likelihood of the last reimbursement.
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Copyright (c) 2017 Guerschom MUGISHO MUNKWA, Luc MATABARO BORAUZIMA
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