Published Paper Details:

Microlending has emerged as one of the most important financial tools to foster financial inclusion. It enables the poor and low-income households to increase their income levels, improve their overall standards of living and thereby in aggregative sense play a role in poverty alleviation. Loan default is a frequent phenomenon associated with the microlending activities in India. It is affecting the microlending Institution's sustainability. The present study aimed to analyse the factors affecting the repayment behaviour of borrowers associated with microlending in India. The study has also focused in identifying the delinquent behaviour influenced by the demographic aspects of any individual. The study not only examines the effect of demography on the delinquent behaviour of individual but also considers the loan characteristics as determinants. The data denoting characteristics of loan has been collected in the form of secondary data. Total 250 samples collected from one of the applications and web based microlending Institutions in West Bengal. The data collected in the form of primary and secondary has been analysed with the use of descriptive statistics and non-parametric test to develop the findings of the study.