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Capacity-constrained Collusive Price Discrimination in the Informal Rural Credit Markets of Nepal

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Author Info
Magnus Hatlebakk

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Abstract

The author tests two alternative models of price determination in informal rural credit markets, using LSMS data from Nepal. Strong support is found for a capacity-constrained collusive oligopoly model, where lenders have full information about actual borrowers and charge heterogeneous interest rates. Only marginal support is found for a competitive cost-pricing model with imperfect information. Interest rates vary with the observable characteristics of caste, installment period, and geographical region; and they decrease as village lending capacity increases up to a certain level. Interest rates do not depend on risk related variables such as land value and loan size. Copyright © 2008 The Author. Journal compilation © 2008 Blackwell Publishing Ltd.

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File URL: http://www.blackwell-synergy.com/doi/abs/10.1111/j.1467-9361.2008.00461.x
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Publisher Info
Article provided by Blackwell Publishing in its journal Review of Development Economics.

Volume (Year): 13 (2009)
Issue (Month): 1 (02)
Pages: 70-86
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Handle: RePEc:bla:rdevec:v:13:y:2009:i:1:p:70-86

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Web page: http://www.blackwellpublishing.com/journal.asp?ref=1363-6669

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This page was last updated on 2009-11-22.

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