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Khandker, Shahidur R. - 2017

Both formal, and informal loans matter in agriculture. But formal lenders provide much more in production lending, than do informal lenders, often at a higher cost than what they can recover. The Agricultural Development Bank of Pakistan (ADBP), for example, providing about 90 percent of formal...

Persistent link: https://www.econbiz.de/10012976129

Seasonality of Rural Finance

Khandker, Shahidur R. - 2017

Simultaneity of borrowing, withdrawal of savings, and loan defaults due to the pronounced seasonality of agriculture often leads to investment failure of rural financial institutions. Lack of borrowing leads to lack of income- and consumption-smoothing, and in turn, causes inefficient resource...

Persistent link: https://www.econbiz.de/10012961228

Estimating the Effects of Credit Constraints on Productivity of Peruvian Agriculture

Woutersen, Tiemen - 2017

This paper proposes an estimator for the endogenous switching regression models with fixed effects. The estimator allows for endogenous selection and for conditional heteroscedasticity in the outcome equation. Applying the estimator to a dataset on the productivity in agriculture substantially...

Persistent link: https://www.econbiz.de/10012973872

Microfinance and Moneylenders : Long-Run Effects of Mfis on Informal Credit Market in Bangladesh

Berg, Claudia N. - 2017

Using two surveys from Bangladesh, this paper provides evidence on the effects of microfinance competition on village moneylender interest rates and households' dependence on informal credit. The views among practitioners diverge sharply: proponents claim that competition of microfinance...

Persistent link: https://www.econbiz.de/10012973968

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

Giné, Xavier - 2017

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/10012976349

Productivity Shocks and Repayment Behavior in Rural Credit Markets : A Framed Field Experiment

Adjognon, Guigonan Serge - 2018

Improving rural credit markets requires a good understanding of the root causes of market failures and taking necessary steps to address them. This paper investigates the role of productivity shocks in borrowers' repayment choices. Using a framed field experiment that simulated a repeated...

Persistent link: https://www.econbiz.de/10012912302

Causes and Implications of Credit Rationing in Rural Ethiopia : The Importance of Spatial Variation

Ali, Daniel Ayalew - 2017

This paper uses Ethiopian data to explore credit rationing in semi-formal credit markets and its effects on farmers' resource allocation and crop productivity. Credit rationing -- both voluntarily and involuntarily -- is found to be widespread in the sampled rural villages, largely because of...

Persistent link: https://www.econbiz.de/10012975182

Sowing the Seeds for Rural Finance : The Impact of Support Services for Credit Unions in Mexico

Bruhn, Miriam - 2018

This paper studies the impact of a program that provides grants for technical assistance on the interest rates and outreach of credit unions in Mexico. Credit unions financing rural borrowers received grants in different years. The study uses propensity score matching and relies additionally on...

Persistent link: https://www.econbiz.de/10012912346

Credit Constraints, Agricultural Productivity, and Rural Nonfarm Participation : Evidence from Rwanda

Ali, Daniel Ayalew - 2017

Although the potentially negative impacts of credit constraints on economic development have long been discussed conceptually, empirical evidence for Africa remains limited. This study uses a direct elicitation approach for a national sample of Rwandan rural households to assess empirically the...

Persistent link: https://www.econbiz.de/10012973527

India's Internal Labor Migration Paradox : The Statistical and the Real

Nayyar, Gaurav - 2018

Internal labor migration rates in India have been largely static and low in recent times compared with those in other … the India Human Development Survey, which provides a more recent source of data compared with the Census and other …-12, empirical analysis based on the India Human Development Survey highlights several socioeconomic factors associated with the …

Persistent link: https://www.econbiz.de/10012926474

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