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An analysis of offer functions of banks and credit unions in Guatemala

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  • David Mushinski
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    Abstract

    Economists have sought to identify institutions which might fill the gap in household access to credit arising from rationing by formal lenders. Credit unions have been identified as institutions which might use informational and monitoring advantages to fill that gap. Using information on household perceptions of their access to credit, this article analyses the impact of certain credit unions on the access to credit of households in Guatemala. Regression results indicate that credit unions serve markets unserved by formal lenders and that information on household perceptions of their access to credit is important in making inferences about lender lending activities.

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    Bibliographic Info

    Article provided by Taylor & Francis Journals in its journal Journal of Development Studies.

    Volume (Year): 36 (1999)
    Issue (Month): 2 ()
    Pages: 88-112

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    Handle: RePEc:taf:jdevst:v:36:y:1999:i:2:p:88-112

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    Cited by:
    1. Kati Schindler, 2007. "Credit for What?: Informal Credit as a Coping Strategy of Market Women in Northern Ghana," Discussion Papers of DIW Berlin 715, DIW Berlin, German Institute for Economic Research.
    2. Sundaram-Stukel, Reka, 2003. "Mobility in Rural Credit Markets: A Honduran Case Study," 2003 Annual meeting, July 27-30, Montreal, Canada, American Agricultural Economics Association (New Name 2008: Agricultural and Applied Economics Association) 22081, American Agricultural Economics Association (New Name 2008: Agricultural and Applied Economics Association).
    3. Deininger, Klaus, 2010. "Towards sustainable systems of land administration: Recent evidence and challenges for Africa," African Journal of Agricultural and Resource Economics, African Association of Agricultural Economists, African Association of Agricultural Economists, vol. 5(1), September.
    4. Deininger, Klaus & Ali, Daniel Ayalew & Alemu, Tekie, 2008. "Impacts of land certification on tenure security, investment, and land markets : evidence from Ethiopia," Policy Research Working Paper Series 4764, The World Bank.
    5. Sebastián Auguste & Ricardo Bebczuk & Ramiro Moya, 2012. "The Demand for Mortgages under Macro Volatility: The Argentine Case," Department of Economics, Working Papers 091, Departamento de Economía, Facultad de Ciencias Económicas, Universidad Nacional de La Plata.
    6. Boucher, Stephen R. & Guirkinger, Catherine & Trivelli, Carolina, 2006. "Direct Elicitation of Credit Constraints: Conceptual and Practical Issues with an Empirical Application to Peruvian Agriculture," Working Papers, University of California, Davis, Department of Agricultural and Resource Economics 6883, University of California, Davis, Department of Agricultural and Resource Economics.
    7. Ying Cao & Yuehua Zhang, 2012. "Hog insurance adoption and suppliers' discrimination: A bivariate probit model with partial observability," China Agricultural Economic Review, Emerald Group Publishing, Emerald Group Publishing, vol. 4(2), pages 233-255, May.
    8. Dufhues, Thomas & Buchenrieder, Gertrud & Munkung, Nuchanata, 2012. "Individual social capital and access to formal credit in Thailand," 2012 Conference, August 18-24, 2012, Foz do Iguacu, Brazil, International Association of Agricultural Economists 123401, International Association of Agricultural Economists.
    9. David W. Mushinski & Kathleen A. Pickering, 2007. "Heterogeneity in informal sector mitigation of micro-enterprise credit rationing," Journal of International Development, John Wiley & Sons, Ltd., vol. 19(5), pages 567-581.
    10. Boucher, Stephen R. & Barham, Bradford L. & Carter, Michael R., 2005. "The Impact of "Market-Friendly" Reforms on Credit and Land Markets in Honduras and Nicaragua," World Development, Elsevier, Elsevier, vol. 33(1), pages 107-128, January.
    11. Drakos, Konstantinos & Giannakopoulos, Nicholas, 2011. "On the determinants of credit rationing: Firm-level evidence from transition countries," Journal of International Money and Finance, Elsevier, Elsevier, vol. 30(8), pages 1773-1790.
    12. Guirkinger, Catherine & Boucher, Stephen R., 2007. "Credit Constraints and Productivity in Peruvian Agriculture," Working Papers, University of California, Davis, Department of Agricultural and Resource Economics 6882, University of California, Davis, Department of Agricultural and Resource Economics.
    13. Togba, Edith Leadaut, 2012. "Microfinance and households access to credit: Evidence from Côte d’Ivoire," Structural Change and Economic Dynamics, Elsevier, Elsevier, vol. 23(4), pages 473-486.
    14. Foltz, Jeremy D., 2004. "Credit market access and profitability in Tunisian agriculture," Agricultural Economics, Blackwell, Blackwell, vol. 30(3), pages 229-240, May.

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