Jump to content United States-English
HP.com Home Products and Services Support and Drivers Solutions How to Buy
» Contact HP

hp.com home


Technical Reports


printable version
» 

HP Labs

» Research
» News and events
» Technical reports
» About HP Labs
» Careers @ HP Labs
» Worldwide sites
» Downloads
Content starts here

  Click here for full text: PDF

What can e-services learn from microcredit schemes?

Mowbray, Miranda

HPL-2002-49

Keyword(s): online communities; e-services; microcredit

Abstract: In order for e-services to work, a certain level of dependability is necessary in the consumers and providers involved. I draw on an unusual source - microcredit schemes - in order to find ways of promoting this dependability. Microcredit schemes lend money to people who normal banks won't lend to, because they're too poor. However, the default rate on loans from microcredit schemes can be lower than the default rate on loans from normal banks. I put forward hypotheses as to why this might be. These hypotheses suggest some ways to promote dependability in the context of e-services. Finally, I discuss whether e- services can be used by microcredit organizations.

6 Pages

Back to Index

»Technical Reports

» 2009
» 2008
» 2007
» 2006
» 2005
» 2004
» 2003
» 2002
» 2001
» 2000
» 1990 - 1999

Heritage Technical Reports

» Compaq & DEC Technical Reports
» Tandem Technical Reports
Privacy statement Using this site means you accept its terms Feedback to HP Labs
© 2009 Hewlett-Packard Development Company, L.P.