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| Sjah, Taslim; Russell, Iean W.; Cameron, Donald. |
| This paper analyzes farmer decisions regarding acceptance and repayment of agricultural credit in Lombok, Indonesia. A survey was conducted during July 2001- March 2002 in Central Lombok, where the current KKP government credit scheme is provided to agricultural producers. Three villages within the regency were sampled, representing various repayment rates of government credit. Data were collected using face-to-face, semi-structured interviews with 65 farmers who had made use of government or other sources of agricultural credit. Capital possession was found to be the starting point for farmers' decision-making in relation to credit use. As long as farmers had their own capital, they tended to avoid using credit, perceiving that credit from any source was... |
| Tipo: Conference Paper or Presentation |
Palavras-chave: Agricultural credit; Acceptance; Repayment; Lombok; Indonesia; Agricultural Finance. |
| Ano: 2003 |
URL: http://purl.umn.edu/24323 |
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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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