Análisis de la relación entre el perfil del oficial de crédito y el tamaño de los créditos entregados en una institución de microfinanzas: caso Banco D-MIRO – Ecuador, en el periodo 2012-2013.

Abstract

This paper explores the relationship between loan officer’s characteristics and loan amounts in a microfinance institution. Using data form D-MIRO bank in Ecuador, we found that the composition of the portfolio of a loan officer may be influenced by his age, college degree, level of previous work experience, and working time in the bank. Moreover, we show that the portfolio composition does not depend on loan officer's gender or years of higher education. Loan officers with a determined profile show a tendency to manage portfolios highly concentrated in loans of low amount while loan officers with another profile tend to manage portfolios of higher loan amount.