Ceilings on lending rates remain a widely used policy tool that is intended to lower the overall cost of credit or …-effects. These side-effects include increases in non-interest fees and commissions, reduced price transparency, lower credit supply … alternatives to reduce the cost of credit …

This paper addresses whether microcredit participants in Bangladesh are trapped in poverty and debt, as many critics … participants derive a variety of benefits from microcredit: It helps them to earn income and consume more, accumulate assets …