Data for: Debt Traps - A Risk Participative Approach for Reduction of Default Risk Using Numeric Game Theory

High-cost Microfinance, extended to tribal women is the chosen paradigm as merits of the credit programs are overshadowed by the perils of default i.e., when new business ventures are established and they fail (65-70%), it has a demonic effect on the already poor women subjecting them to social exclusion. This study asserts, Dr. Sen’s Capacity Building approach in the form a structured educational program prior to lending. The quantum of this problem is measured using NPA data collected from a tribal hamlet registered with Rs. 508.095 Crore NPA which is a consolidation of 1,328 tribal SHG groups comprising of 14,692 poor tribal women. Almost all the 14,692 tribal women are subjected to social exclusion and exposed to recovery teams of the lender, which is almost inhuman. The study asserts that the unlike segregation into two groups, Government needs to segregate the beneficiary women into three groups Urban, Rural and Tribal. The Capability of the tribal group needs to be enhances by a possible structured training program prior to the extension of loans. As an indicator, the monthly repayment of the groups loan should not be over the total income of the group. Other identified variables, are modelled as Game Theory participants, yield tested using Mathematical Modelling and output measured using Numerical Analysis. 3. Major Novel Contributions A. To ensure that default rate is lowered and capacity building is realized, the study has identified and modelled four key variables associated with poverty alleviation programs that involve extension of financial interventions, (a) Capacity to Repay, (b) Margin Requirements, (c) Forward Integration and (d) Market Conditions B. A common objective of Risk Participation modelled as a transferrable constant from the borrower(s) to the lender i.e., to realize profit booking at the borrower(s) chosen activity the Lender is accountable and responsible to ensure that the business paradigm is analysed methodically and information supplied to borrowers C. Over one Credit Cycle, especially for credit ventures in the tribal belts, Govt need sto roll-out a structured training program and assist tribal women not to be subjected to social exclusion which otherwise is not happening as on date.针对部落女性推出的高成本小额信贷（High-cost Microfinance）为本研究选用的研究范式——因信贷项目的收益被违约风险所掩盖：当新创立的商业项目失败率达65%-70%时，会对本就贫困的女性造成毁灭性打击，使其陷入社会排斥境地。本研究主张，应在放贷前通过结构化教育项目落实森博士的能力建设（Capacity Building）方法。 本研究通过某部落村落的不良资产（Non-Performing Asset, NPA）数据量化该问题的严重程度：该村落累计不良资产达508.095亿印度卢比，其样本涵盖1328个部落自助小组（Self-Help Group, SHG），共涉及14692名贫困部落女性。这14692名部落女性中几乎全部都遭受了社会排斥，还需面对放贷机构的催收团队，这种境遇近乎非人道。 本研究指出，政府不应将受益女性划分为两类，而应将其划分为城市、农村与部落三类群体。部落群体的能力需通过放贷前的结构化培训项目加以提升。作为一项衡量指标，小组贷款的月还款额不应超过该小组的总收入。其余已识别变量则被建模为博弈论（Game Theory）参与主体，通过数学建模（Mathematical Modelling）进行有效性检验，并采用数值分析（Numerical Analysis）对输出结果进行测算。 三、主要创新贡献 A. 为降低违约率并落实能力建设目标，本研究识别并建模了四类与金融帮扶类扶贫项目相关的核心变量：(a) 还款能力，(b) 保证金要求，(c) 纵向一体化，(d) 市场环境。 B. 将风险参与建模为从借款人向放贷人转移的固定常量，其共同目标为：在借款人选定的经营活动中实现盈利，放贷人需负责任地对经营范式进行系统性分析，并向借款人提供相关信息。 C. 在一个信贷周期内，尤其是针对部落地区的信贷项目，政府应推出结构化培训项目，帮助部落女性免受社会排斥——而这一目标在当前尚未实现。