ASSESSING THE IMPACT OF MICROCREDIT PRACTICE ON THE QUALITY OF THE RETAIL CREDIT PORTFOLIO
Keywords:
commercial bank, microcredit, retail credit portfolio, non-performing loans, over-indebtedness, financial inclusion, joint liability, digital lending, credit scoring, Republic of Uzbekistan.Abstract
The thesis systematises the modern theoretical and empirical evidence on the impact of microcredit practice on the quality of the retail credit portfolio of commercial banks. Microcredit is treated as a set of small-scale lending products characterised by
short maturities, high frequency of repayment, alternative collateral arrangements and reliance on group or joint-liability mechanisms.
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