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Behavioral Foundations of Microcredit : Experimental and Survey Evidence from Rural India
Bauer, Michal - 2014
Microcredit is an innovative financial tool designed to reduce poverty and fix credit market imperfections. We use experimental measures of time discounting and risk aversion for villagers in south India to highlight behavioral features of microcredit. Conditional on borrowing from any source,...
Persistent link: https://www.econbiz.de/10013069930
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Empowering the Vulnerable to Be Entrepreneurs : An Empirical Test on the Effectiveness of the Ghana Microfinance Policy 2006
Diaz-Serrano, Luis - 2016
The study aims at testing the Ghana Microfinance Policy set up to support the vulnerable through access to credit. We … entrepreneurs in the rationing behavior of the microfinance companies. This is what we should expect if the policy is effective. Our … results show that even after controlling for a large number of borrower characteristics, microfinance type and credit …
Persistent link: https://www.econbiz.de/10012979861
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The Impact of Micro-Credit on Employment : Evidence from Bangladesh and Pakistan
Kahn, Azhar - 2016
This paper examines the impact of micro-credit on employment. Household-level data was collected, following a quasi-experimental design, in Bangladesh and Pakistan. Three borrower groups are compared: Current borrowers; Pipeline borrowers and Non-borrowers. Pipeline borrowers are included to...
Persistent link: https://www.econbiz.de/10012986762
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Demand Side Analysis of Microlending Markets in Germany
Kritikos, Alexander - 2009
In developing and transition economies, microlending has become an effective instrument for providing micro businesses with the necessary financial resources to launch operations. In the industrialized countries, with their highly developed banking systems, however, there has been ongoing debate...
Persistent link: https://www.econbiz.de/10013158049
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Win Some Lose Some? Evidence from a Randomized Microcredit Program Placement Experiment by Compartamos Banco
Angelucci, Manuela - 2014
Theory and evidence have raised concerns that microcredit does more harm than good, particularly when offered at high interest rates. We use a clustered randomized trial, and household surveys of eligible borrowers and their businesses, to estimate impacts from an expansion of group lending at...
Persistent link: https://www.econbiz.de/10013063643
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Is Rationing in the Microfinance Sector Determined by the Microfinance Type? Evidence from Ghana
Diaz-Serrano, Luis - 2015
microfinance type based on the major factors determining micro, small and medium enterprises' access to credit from microfinance … institutions in the era of financial liberalization. The data for the study were gleaned from fourteen microfinance institutions … rationing is not influenced by the microfinance types but by the individual microfinance institutions …
Persistent link: https://www.econbiz.de/10013023752
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Mortgage Finance in Central and Eastern Europe : Opportunity or Burden?
Beck, Thorsten - 2010
Household credit, especially for mortgages, has doubled over the past years in the new European Union member countries, raising concerns about the economic and social consequences of household indebtedness in the event of a macroeconomic crisis. Using household survey data for 2005, 2006, and...
Persistent link: https://www.econbiz.de/10013147559
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Untimely Destruction : Pestilence, War and Accumulation in the Long Run
Bell, Clive - 2019
This paper analyses the effects of disease and war on the accumulation of human and physical capital. We employ an overlapping-generations frame-work in which young adults, confronted with such hazards and motivated by old-age provision and altruism, make decisions about investments in schooling...
Persistent link: https://www.econbiz.de/10012861271
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Partial Insurance and Investments in Children
Carneiro, Pedro Manuel - 2015
This paper studies the impact of permanent and transitory shocks to income on parental investments in children. We use panel data on family income, and an index of investments in children in time and goods, from the Children of the National Longitudinal Survey of Youth. Consistent with the...
Persistent link: https://www.econbiz.de/10013023770
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Self-Regulation Through Goal Setting
Koch, Alexander K. - 2008
Goals are an important source of motivation. But little is known about why and how people set them. We address these questions in a model based on two stylized facts from psychology and behavioral economics: i) Goals serve as reference points for performance. ii) Present-biased preferences...
Persistent link: https://www.econbiz.de/10012768179