Dr Katherine Hunt, Program Advisor and Financial Planning Lecturer, Griffith Business School, Griffith University.
We use hand-collected survey data to study the joint effect of location, personality, and demographic situation on the likelihood of a microfinance borrower taking a business loan versus a consumption loan. We also examine the moderating effect of a microfinance borrower's gender and family situation on the impacts of taking a business or a consumption loan. The results of our survey of 922 microfinance borrowers across Pakistan, Nicaragua, and Bhutan show that loans taken for business purposes are associated mostly with less educated men with low income. Furthermore, our results indicate that those who took loans for business see to have higher indices of irrational behaviour and slightly more self-control, but they also show signs of less financial literacy and less risk tolerance.
Dr Katherine Hunt combines her experience as financial planner with her current role as a lecturer to develop research which answers important questions in financial services. Dr Hunt holds a Bachelor of Psychological Science, a Bachelor of Commerce (Financial Planning), First Class Honours in Finance, and is a University Medal. Dr Hunt has defended her PhD thesis at Erasmus University of Rotterdam (The Netherlands) and her PhD has also been granted by the University of Bologna (Italy) and the University of Hamburg (Germany). Dr Hunt now specialises in research and teaching in the space of financial planning and teaches the three most advanced courses in the Masters of Financial Planning in the Griffith Business School. Dt Hunt undertakes industry-led research projects relating to her expertise in client relationships, client engagement, regulatory application, risk profiling, psychological measurement, and the development of financial projects with an empirical foundation. Katherine has also surfed in 20 countries.
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