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Group versus Individual Liability: Long Term Evidence from Philippine Microcredit Lending Groups
Giné, Xavier; Karlan, Dean - Economic Growth Center, Economics Department - 2009
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/10005018059
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Group versus Individual Liability: A Field Experiment in the Philippines
Gine, Xavier; Karlan, Dean - Economic Growth Center, Economics Department - 2006
Group liability is often portrayed as the key innovation that led to the explosion of the microcredit movement, which started with the Grameen Bank in the 1970s and continues on today with hundreds of institutions around the world. Group lending claims to improve repayment rates and lower...
Persistent link: https://www.econbiz.de/10005357728
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Social Connections and Group Banking
Karlan, Dean S. - Economic Growth Center, Economics Department - 2005
Lending to the poor is expensive due to high screening, monitoring, and enforcement costs. Group lending advocates believe lenders overcome this by harnessing social connections. Using data from FINCA-Peru, I exploit a quasi-random group formation process to find evidence of peers successfully...
Persistent link: https://www.econbiz.de/10005357755
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Micro-Savings & Informal Insurance in Villages: How Financial Deepening Affects Safety Nets of the Poor, A Natural Field Experiment
Flory, Jeffrey A. - Becker Friedman Institute for Research in Economics, … - 2011
. Despite widespread interest in microfinance, spillover effects on the very poor of expanding formal financial services remain …
Persistent link: https://www.econbiz.de/10009399807
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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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Microfinance and Moneylender Interest Rate: Evidence from Bangladesh
Mallick, Debdulal - Volkswirtschaftliche Fakultät, … - 2009
. This paper addresses one important aspect of the linkage by empirically investigating the impact of the microfinance … program expansion on the moneylender interest rates in Bangladesh, and finds that moneylender interest rates increase with … microfinance program expansion. MFI program expansion increases moneylender interest rates in the villages in which more loans are …
Persistent link: https://www.econbiz.de/10008506913
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Social Connections and Group Banking
Karlan, Dean S. - Research Program in Development Studies, Woodrow Wilson … - 2005
Lending to the poor is expensive due to high screening, monitoring, and enforcement costs. Group lending advocates believe lenders overcome this by harnessing social connections. Using data from FINCA-Peru, I exploit a quasirandom group formation process to find evidence of peers successfully...
Persistent link: https://www.econbiz.de/10005548085
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Group versus Individual Liability: A Field Experiment in the Philippines
Giné, Xavier; Karlan, Dean S. - C.E.P.R. Discussion Papers - 2007
Group liability is often portrayed as the key innovation that led to the explosion of the microcredit movement, which started with the Grameen Bank in the 1970s and continues on today with hundreds of institutions around the world. Group lending claims to improve repayment rates and lower...
Persistent link: https://www.econbiz.de/10005656151
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Studying Group Dynamics : An Alternative Analytical Framework for the Study of Microfinance Impacts on Poverty Reduction
Marr, Ana - Department of Economics, School of Oriental and African … - 2002
Group Dynamics have been largely neglected when the impacts of microfinance on poverty reduction are assessed. This … the individuals participating in microfinance schemes, their households, enterprises and communities are assessed. Four … the way we look at the effectiveness of microfinance today. …
Persistent link: https://www.econbiz.de/10010665076
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"Microfinance and Poverty Reduction: The problematic experience of Communal Banking in Peru"
Marr, Ana - Department of Economics, School of Oriental and African … - 2002
comprehensive analytical framework for assessing the success of microfinance in achieving its dual objective of financial … and imperfect information, the paper argues that microfinance has not only not solved the original problems of information …
Persistent link: https://www.econbiz.de/10010665082