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Good intentions pave the way to … the local moneylender
Arnold, Lutz G.; Booker, Benedikt - In: Economics Letters 118 (2013) 3, pp. 466-469
Access to microfinance entails a risk of over-indebtedness. A naïve present-biased micro-borrower may roll over debt …
Persistent link: https://www.econbiz.de/10011041563
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Group versus individual liability: Short and long term evidence from Philippine microcredit lending groups
Giné, Xavier; Karlan, Dean S. - In: Journal of Development Economics 107 (2014) C, pp. 65-83
Group liability in microcredit purports to improve repayment rates through peer screening, monitoring, and enforcement. However, it may create excessive pressure, and discourage reliable clients from borrowing. Two randomized trials tested the overall effect, as well as specific mechanisms. The...
Persistent link: https://www.econbiz.de/10010753697
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Chapter 71. Access to Finance
Karlan, Dean; Morduch, Jonathan - In: Handbook of development economics : volume 5, (pp. 4703-4784). 2010
Expanding access to financial services holds the promise to help reduce poverty and spur economic development. But, as a practical matter, commercial banks have faced challenges expanding access to poor and low-income households in developing economies, and nonprofits have had limited reach. We...
Persistent link: https://www.econbiz.de/10014025731
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On the estimation stability of efficiency and economies of scale in microfinance institutions
Bolli, Thomas; Anh Vo Thi - 2012
This paper uses a panel data set of microfinance institutions (MFI) across the world to compare several identification …, suggesting that producing outreach creates high transaction costs and requires exploitation of local knowledge. -- Microfinance …
Persistent link: https://www.econbiz.de/10009425551
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Microfinance at the margin : experimental evidence from Bosnia and Herzegovina
Augsburg, Britta; Haas, Ralph de; Harmgart, Heike; … - 2012 - This version: September 2012
We use an RCT to analyse the impact of microcredit on poverty reduction in Bosnia. The study population are loan applicants that would normally have just been rejected based on regular screening. We find that access to credit allowed borrowers to start and expand small-scale businesses....
Persistent link: https://www.econbiz.de/10009619449
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Group lending or individual lending? : evidence from a randomised field experiment in Mongolia
Attanasio, Orazio P.; Augsburg, Britta; Haas, Ralph de; … - 2011
Although microfinance institutions across the world are moving from group lending towards individual lending, this …
Persistent link: https://www.econbiz.de/10009388959
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Give Me a Pass : Flexible Credit for Entrepreneurs in Colombia
Brune, Lasse; Giné, Xavier; Karlan, Dean - National Bureau of Economic Research - 2022
Microcredit promised business growth for small firms lacking access to banking loans. Yet while reaching millions, recent randomized evaluations suggest limited average business impacts. Critics often blame contract rigidity, specifically the fixed and frequent installments, for the lack of...
Persistent link: https://www.econbiz.de/10013462683
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Financial and Social Sustainability in the European Microfinance Sector
Dalla Pellegrina, Lucia; Diriker, Damla; Landoni, Paolo; … - 2023
This paper contributes to a growing body of literature on microfinance institutions, where the equilibrium between … European microfinance sector is scarce. In the current study, we intend to fill this knowledge gap. Specifically, using an … original dataset obtained from a survey conducted in 2016-2017 on 159 Microfinance institutions (MFIs) operating in 38 European …
Persistent link: https://www.econbiz.de/10014254747
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Another "French paradox" : explaining why interest rates to microenterprises did not increase with the change in French usury legislation
Ashta, Arvind; Attuel-Mendès, Laurence; Ratsimalahelo, Zaka - In: European journal of law and economics 40 (2015) 3, pp. 479-509
Persistent link: https://www.econbiz.de/10011473986
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Relief from usury : impact of a community-based microcredit program in rural India
Hoffmann, Vivian; Rao, Vijayendra; Surendra, Vaishnavi; … - 2017
Persistent link: https://www.econbiz.de/10011663558