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| Registros recuperados: 36 | |
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| Agrawala, Shardul; Carraro, Maelis. |
| Much of the current policy debate on adaptation to climate change has focussed on estimation of adaptation costs, ways to raise and to scale-up funding for adaptation, and the design of the international institutional architecture for adaptation financing. There is however little or no emphasis so far on actual delivery mechanisms to channel these resources at the sub-national level, particularly to target the poor who are also often the most vulnerable to the impacts of climate change. It is in this context that microfinance merits a closer look. This paper offers the first empirical assessment of the linkages between microfinance supported activities and adaptation to climate change. Specifically, the lending portfolios of the 22 leading microfinance... |
| Tipo: Working or Discussion Paper |
Palavras-chave: Microfinance; Climate Change; Financing; Adaptation; Bangladesh; Nepal; Environmental Economics and Policy; Q56; Q54; R51. |
| Ano: 2010 |
URL: http://purl.umn.edu/92709 |
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| Sharma, Manohar P.. |
| This case study examines the scaling-up experiences of two microfinance institutions: the Nirdhan Utthan Bank Limited (NUBL) in Nepal and the Self-Help Group (SHG)-Bank linkage program of the National Agricultural Bank for Agriculture and Rural Development (NABARD) in India. Both NUBL and NABARD groups use self-regulation (peer selection, peer monitoring, and peer enforcement of contracts) as key to gaining access to services not otherwise available to them. There are two community-based drivers. First, loan products are closely driven by client preferences, as evidenced by strong demand to join the program, high repayment rates, and very low dropout rates. Second, the process of organizing clients into groups has a significant empowering effect, providing... |
| Tipo: Working or Discussion Paper |
Palavras-chave: Community-driven development (CDD); Scaling up; Microfinance; Case studies; Community/Rural/Urban Development; Financial Economics. |
| Ano: 2004 |
URL: http://purl.umn.edu/60396 |
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| Ashraf, Nava; Karlan, Dean S.; Yin, Wesley. |
| Informal lending and savings institutions exist around the world, and often include regular door-to-door deposit collection of cash. Some banks have adopted similar services in order to expand access to banking services in areas that lack physical branches. Using a randomized control trial, we investigate determinants of participation in a deposit collection service and evaluate the impact of offering the service for micro-savers of a rural bank in the Philippines. Of 137 individuals offered the service in the treatment group, 38 agreed to sign-up, and 20 regularly used the service. Take-up is predicted by distance to the bank (a measure of transaction costs of depositing without the service) as well as being married (a suggestion that household bargaining... |
| Tipo: Working or Discussion Paper |
Palavras-chave: Savings behavior; Microfinance; Field experiment; Savings mobilization; Deposit collector; Financial Economics; D1; D9; G1; G2; O1. |
| Ano: 2005 |
URL: http://purl.umn.edu/28502 |
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| Álvarez González, Evelina. |
| El propósito de este trabajo fue analizar el desarrollo y desempeño del sector microfinanciero en México durante el periodo de 1996-2012, mediante los indicadores profundidad y amplitud con el objetivo de conocer sobre que niveles de pobreza están realmente incidiendo las instituciones de microfinanzas en nuestro país y como se está comportando el mercado de prestatarios. El estudio se realizó con una muestra correspondiente a 120 IMF´S (Instituciones de Microfinanzas) mexicanas registradas y disponibles en las bases de datos de Microfinance Information Exchange, Inc. (Mix). y ProDesarrollo, Finanzas y Microempresa A.C. (Benchmarking 2012), para lo cual se empleo una metodología de tipo cuantitativa analítica con grupos de control y de estudio para... |
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Palavras-chave: Microfinanzas; Profundidad; Amplitud; Pobreza; Microfinance; Depth; Breadth; Poverty; Economía; Maestría. |
| Ano: 2013 |
URL: http://hdl.handle.net/10521/2173 |
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| Karlan, Dean S.; Zinman, Jonathan. |
| Microcredit seeks to promote business growth and improve well-being by expanding access to credit. We use a field experiment and follow-up survey to measure impacts of a credit expansion for microentrepreneurs in Manila. The effects are diffuse, heterogeneous, and surprising. Although there is some evidence that profits increase, the mechanism seems to be that businesses shrink by shedding unproductive workers. Overall, borrowing households substitute away from labor (in both family and outside businesses), and into education. We also find substitution away from formal insurance, along with increases in access to informal risk-sharing mechanisms. Our treatment effects are stronger for groups that are not typically targeted by microlenders: male and... |
| Tipo: Working or Discussion Paper |
Palavras-chave: Microfinance; Microcredit; Microentrepreneurship; Risk sharing; Formal and informal finance; Financial Economics; O1; D1; D2 G2. |
| Ano: 2009 |
URL: http://purl.umn.edu/52600 |
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| Coulter, Jonathan. |
| There are some apparently successful cases of collective marketing with staple food commodities (grains and root crops), but these are less common than cases involving higher value agricultural products. These can be attributed to the benefit/cost ratio to participants being generally higher for collective marketing of the higher-value crops. Some of the costs are ‘hidden’, in the sense that they are borne by individuals in time spent in attending meetings, and not shown in the financial statements of the enterprises concerned. Examining a series of cases, the paper advocates an approach to the marketing of staples which involves analyzing the value chain and identifying those activities which on the one hand, best lend themselves to individual initiative,... |
| Tipo: Working or Discussion Paper |
Palavras-chave: Collective marketing; Producer organization; Staple food; Village storage; Inventory credit; Microfinance; Disbursement-driven; Agribusiness. |
| Ano: 2007 |
URL: http://purl.umn.edu/50003 |
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| Li, Shanjun; Liu, Yanyan; Deininger, Klaus W.. |
| We quantify the importance of peer effects in group lending by estimating a static game of incomplete information. In our model, group members make their repayment decisions simultaneously based on their household and loan characteristics as well as their expectations on other members' repayment decisions. Exploiting a rich data set of a microfinance program in India, our estimation results suggest that the probability of a member making a full repayment would be 15 percentage points higher if all the other fellow members make full repayment compared to the case where none of the other members repay in full. We also find that large inconsistencies exist in the estimated effects of other variables in models that do not incorporate peer effects and control... |
| Tipo: Conference Paper or Presentation |
Palavras-chave: Microfinance; Repayment; Strategic default; International Development. |
| Ano: 2009 |
URL: http://purl.umn.edu/51699 |
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| McIntosh, Craig; de Janvry, Alain; Sadoulet, Elisabeth. |
| 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... |
| Tipo: Working or Discussion Paper |
Palavras-chave: Microfinance; Competition; Credit markets; Financial Economics; O16; D14; L1. |
| Ano: 2003 |
URL: http://purl.umn.edu/25073 |
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| Berhane Tesfay, G.; Gardebroek, Cornelis. |
| This paper investigates borrowing decisions of rural households from a microfinance in Tigray, Ethiopia using household panel data on 5 years and a dynamic panel probit model. The theoretical model takes two types of risk involved in joint-liability lending explicitly into account: risk of partner failure and the risk of losing future access to credit. Empirical results show that these risks are important in explaining borrowing decisions. Another finding is that the probability of repeat-borrowing is higher than the probability of new participation, with possible implications that perceived joint-liability threats deter participation and easing stringent punishments might help poor households’ access to credit. |
| Tipo: Conference Paper or Presentation |
Palavras-chave: Microfinance; Risk; Dynamic panel probit; Financial Economics. |
| Ano: 2008 |
URL: http://purl.umn.edu/44202 |
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| Registros recuperados: 36 | |
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