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Liability Structure in Small-scale Finance : Evidence from a Natural Experiment

Carpena, Fenella; Cole, Shawn; Shapiro, Jeremy - 2012

liability structure offered by a microfinance program in India, which shifted from individual to group liability lending. The … are 6 percent less likely to be missed under the group liability setting, relative to individual liability. In addition …, compulsory savings deposits are 19 percent less likely to be missed under group liability contracts. …

Persistent link: https://www.econbiz.de/10012551642

Measuring Financial Access around the World

Kendall, Jake; Mylenko, Nataliya; Ponce, Alejandro - 2012

This paper introduces a new set of financial access indicators for 139 countries across the globe and describes the results of a preliminary analysis of this data set. The new data set builds on previous work using a similar methodology. The new data set features broader country coverage and...

Persistent link: https://www.econbiz.de/10012551473

Financing Businesses in Africa : The Role of Microfinance

Aggarwal, Shilpa; Klapper, Leora; Singer, Dorothe - 2012

This paper evaluates how microfinance performed in providing business financing in 27 Sub-Saharan African countries. It uses data from the 2009 and 2010 Gallup World Poll, a nationally-representative survey of at least 1,000 individuals per country, conducted in up to 157 countries per year. The...

Persistent link: https://www.econbiz.de/10012550997

Mobile Banking and Financial Inclusion : The Regulatory Lessons

Klein, Michael; Mayer, Colin - 2012

Mobile banking is growing at a remarkable speed around the world. In the process it is creating considerable uncertainty about the appropriate regulatory response to this newly emerging service. This paper sets out a framework for considering the design of regulation of mobile banking. Since it...

Persistent link: https://www.econbiz.de/10012551159

When is Capital Enough to Get Female Enterprises Growing? Evidence from a Randomized Experiment in Ghana

Fafchamps, Marcel; McKenzie, David; Quinn, Simon - 2012

Standard models of investment predict that credit-constrained firms should grow rapidly when given additional capital, and that how this capital is provided should not affect decisions to invest in the business or consume the capital. The authors randomly gave cash and in-kind grants to male-...

Persistent link: https://www.econbiz.de/10012551202

After the Microfinance Crisis : Assessing the Role of Government-Led Microcredit Alternatives

de la Torre, Jordi; Gin??, Xavier; Vishwanath, Tara - 2012

In light of the recent microfinance crisis in South India, government-run institutions in general, and primary agricultural credit cooperatives in particular, may end up playing a larger role in the provision of financial services for the poor. Using survey data collected in 2007 from three...

Persistent link: https://www.econbiz.de/10012551302

Seasonal and Extreme Poverty in Bangladesh : Evaluating an Ultra-Poor Microfinance Project

Khandker, Shahidur R.; Khalily, M. A. Baqui; Samad, … - 2012

Microfinance is often criticized for not adequately addressing seasonality and hard-core poverty. In Bangladesh, a program known as PRIME was introduced in 2006 to address both concerns. Unlike regular microfinance, PRIME introduces a microfinance scheme that offers a flexible repayment schedule...

Persistent link: https://www.econbiz.de/10012551549

Identification Strategy : A Field Experiment on Dynamic Incentives in Rural Credit Markets

Gin??, Xavier; Goldberg, Jessica; Yang, Dean - 2012

How do borrowers respond to improvements in a lender's ability to punish defaulters? This paper reports the results of a randomized field experiment in rural Malawi that examines the impact of fingerprinting borrowers in a context where a unique identification system is absent. Fingerprinting...

Persistent link: https://www.econbiz.de/10012551653

Microinsurance : A Case Study of the Indian Rainfall Index Insurance Market

Gin??, Xavier; Menand, Lev; Townsend, Robert - 2012

Rainfall index insurance provides a payout based on measured local rainfall during key phases of the agricultural season, and in principle can help rural households diversify a key source of idiosyncratic risk. This paper describes basic features of rainfall insurance contracts offered in India...

Persistent link: https://www.econbiz.de/10012551734

Determinants of Repayment Performance in Indian Micro-Credit Groups

Deininger, Klaus; Liu, Yanyan - 2012

Despite their potential importance and ease of modification, impacts of monitoring and loan recovery arrangements on … villages highlight that regular monitoring and audits, high repayment frequency, consumption smoothing support through rice … originating in externally provided grant resources suggests that stringent monitoring will be essential for these to have a …

Persistent link: https://www.econbiz.de/10012551812