| Registro completo |
| Provedor de dados: |
AgEcon
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| País: |
United States
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| Título: |
How Rising Competition Among Microfinance Lenders Affects Incumbent Village Banks
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| Autores: |
McIntosh, Craig
de Janvry, Alain
Sadoulet, Elisabeth
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| Data: |
2006-02-06
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| Ano: |
2003
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| Palavras-chave: |
Microfinance
Competition
Credit markets
Financial Economics
O16
D14
L1
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| Resumo: |
This paper uses data from Uganda's largest incumbent microfinance institution to analyze the impact of entry by competing lenders on client behavior. We first examine the geographic placement decisions of competitors, and find that placement decisions are strongly affected by district-level characteristics. We observe that increased competition induces a decline in repayment performance and in savings deposited with the incumbent Village Bank, suggesting multiple loan-taking by clients. Urban clients take multiple loans primarily from lenders with more individual methodologies, while rural clients borrow from several group lenders. Individuals who operate larger businesses are the ones most likely to leave the incumbent Village Bank when a Solidarity Group lender enters the marketplace.
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| Tipo: |
Working or Discussion Paper
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| Idioma: |
Inglês
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| Identificador: |
19776
http://purl.umn.edu/25073
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| Editor: |
AgEcon Search
|
| Relação: |
University of California, Berkeley>Department of Agricultural and Resource Economics>CUDARE Working Papers
CUDARE Working Paper 987
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| Formato: |
33
application/pdf
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