Dropouts, Defaulters, and Continuing Borrowers: Client Exit from Microfinance
نویسندگان
چکیده
منابع مشابه
Can community-based microfinance groups match savers with borrowers? Evidence from rural Malawi Can community-based microfinance groups match savers with borrowers? Evidence from rural Malawi
Village Savings and Loan Associations and Self-Help Groups have the features of both a borrowing and a savings technology. They may therefore bring together savers and borrowers, increasing financial intermediation in villages with low access to formal banking. On the other hand, such intermediation may be impeded by limited liability, or by broader social frictions. To test for evidence of int...
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This paper analyzes the theoretical underpinnings of high-frequency repayment, a feature in nearly all microfinance contracts that has been largely overlooked by theorists. The pervasive belief among practitioners that frequent repayment is critical in achieving high repayment rates is puzzling. Classically rational individuals should benefit from more flexible repayment schedules, and less fre...
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To design successful products, the first step entails understanding the financial needs of clients (and potential clients) and how financial services fit into their money management strategies. Understanding clients requires an awareness of the economic goals of poor households, how people manage resources and activities, and how they deal with risk in their dayto-day lives. Such a framework ca...
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Can microfinance borrowers use the discipline of regular loan repayments in order to accumulate savings if prompted to do so? In an experiment, we offered commercial savings products to the microfinance borrowers of Guatemala’s largest public-sector bank. We find that giving these borrowers the opportunity to develop a saving plan and be reminded of saving at the time of loan repayment caused n...
متن کاملCan community-based microfinance groups match savers with borrowers? Evidence from rural Malawi
This paper examines how members sort across community-based microfinance groups, specifically Village Savings and Loan Associations in rural Malawi. Our central question is to ask whether such groups allow savers (especially commitment savers) to match with potential borrowers, thereby promoting financial intermediation. We analyse novel data in the form of a census of all 3,800 members of 150 ...
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ژورنال
عنوان ژورنال: The Developing Economies
سال: 2014
ISSN: 0012-1533
DOI: 10.1111/deve.12055