| Registro completo |
| Provedor de dados: |
AgEcon
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| País: |
United States
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| Título: |
Microfinance for Agricultural Firms- Credit Access and Loan Repayment in Tanzania
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| Autores: |
Weber, Ron
Musshoff, Oliver
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| Data: |
2012-02-23
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| Ano: |
2012
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| Palavras-chave: |
Agricultural Finance
Access to Credit
Loan Repayment
Microfinance Institutions
Financial Economics
International Development
Risk and Uncertainty
G21
G32
Q14
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| Resumo: |
On the example of a commercial microfinance institution (MFI) in Tanzania this paper investigates first whether agricultural firms have a different probability to get a loan and whether their loans are differently volume rationed than loans to non-agricultural firms. Second, we analyze whether agricultural firms repay their loans with different delinquencies than non-agricultural firms. Our results reveal that agricultural firms face higher obstacles to get credit but as soon as they have access to credit, their loans are not differently volume rationed than those of non-agricultural firms. Furthermore, agricultural firms are less often delinquent when paying back their loans than non-agricultural firms. Our findings suggest that a higher risk exposition of agricultural firms does not necessarily lead to higher credit risk. They also show that the investigated MFI overestimates the credit risk of agricultural clients and, hence, should reconsider its risk assessment practice to be able to increase lending to the agricultural sector. In addition, our results might indicate that farmers qualify less often for a loan as they do not fit into the standard micro credit product.
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| Tipo: |
Presentation
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| Idioma: |
Inglês
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| Identificador: |
http://purl.umn.edu/122552
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| Relação: |
European Association of Agricultural Economists>123rd Seminar, February 23-24, 2012, Dublin Ireland
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| Formato: |
21
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