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- W1569546418 abstract "Does the provision of formal microcredit increase access to credit of rural clients and efficiency of credit markets? This study tackles this question through the development of a theoretical model and an empirical analysis in an Ethiopian village.In a dual (formal/informal) financial market, the theoretical model suggests that when some members of the informal arrangement get a formal loan, all members benefit from it. The agents who have a current deficit have greater financial resources whereas the agents who have an expected future deficit enjoy looser participation constraints. Furthermore, when the interest rate charged on formal loans decreases, the utility of not only borrowing members but all members in the arrangement increases. Besides, the formal market crowds out the informal market to some extent as long as the formal loan size increases or the interest rate decreases. Evidence from the rural village in southern Ethiopia only weakly confirms the theoretical results because of two reasons. First, due to different size and maturity of loans, the formal microcredit services and the informal risk sharing arrangements appear to be complements in the local market. Second, the group lending approach seems to replicate the same selection and monitoring processes of the informal arrangements and the low-income households remain constrained in their access to credit. Therefore, MFIs that want to operate successfully in rural areas should, first, make an assessment of self-selection processes in the informal arrangements and, second, provide a wider range of financial products besides credit, such as savings and insurance products." @default.
- W1569546418 created "2016-06-24" @default.
- W1569546418 creator A5061919225 @default.
- W1569546418 date "2011-02-18" @default.
- W1569546418 modified "2023-09-27" @default.
- W1569546418 title "MICROFINANCE AND RISK SHARING ARRANGEMENTS: COMPLEMENTS OR SUBSTITUTES? THEORY AND EVIDENCE FROM ETHIOPIA" @default.
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