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International Collegiate Research Review
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Business & EconomicsResearch article

Microloan repayment and informal income volatility

Abstract

Tests whether income volatility, rather than income level, predicts default among informally employed borrowers.

Keywords: Household finance, Informal labour, Credit access

1. Introduction

Body text is set in the journal's primary serif at a comfortable measure of roughly seventy characters, so that long passages of argument remain readable on screen and in print. Paragraphs are separated by space rather than indentation.

Citations appear in the journal's house style with a numbered reference list at the end of the article. Figures and tables are numbered in sequence and captioned below.

Figure 1

Figure 1. Caption describing what the figure shows and where the data came from.

2. Method

The method section describes the design, participants or materials, procedure, and analysis in enough detail for another researcher to repeat the study.

3. Results

Results are reported without interpretation, with effect sizes and uncertainty stated alongside any test statistics.

4. Discussion

The discussion returns to the question set out in the introduction, states what the study can and cannot support, and names its limitations plainly.

References

  1. Author, A. (Year). Title of the work. Journal Name, volume(issue), pages.
  2. Author, B., & Author, C. (Year). Title of the work. Journal Name, volume(issue), pages.