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Does Contingent Repayment in Microfinance Help the Poor During Natural Disasters?

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  • Masahiro Shoji

Abstract

Microfinances in Bangladesh introduced a contingent repayment system beginning in 2002, which allowed rescheduling of savings and installments during natural disasters for affected members. This paper is one of the first attempts to evaluate the system employing a unique dataset. In using evidence from a flood in 2004, the author found that rescheduling plays the role of a safety net by decreasing the probability that people skip meals during negative shocks by 5.1 per cent. This effect is even higher on the landless and females. This study attempts to contribute to the issue regarding the poverty reduction effect of microfinances.

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Bibliographic Info

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

Volume (Year): 46 (2010)
Issue (Month): 2 ()
Pages: 191-210

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Handle: RePEc:taf:jdevst:v:46:y:2010:i:2:p:191-210

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Cited by:
  1. Michael Hamp & Carolina Laureti, 2011. "Balancing flexibility and discipline in microfinance: Innovative financial products that benefit clients and service providers," Working Papers CEB, ULB -- Universite Libre de Bruxelles 11-044, ULB -- Universite Libre de Bruxelles.
  2. Becchetti, Leonardo & Castriota, Stefano & Conzo, Pierluigi, 2012. "Bank strategies in catastrophe settings: empirical evidence and policy suggestions," AICCON Working Papers, Associazione Italiana per la Cultura della Cooperazione e del Non Profit 114-2012, Associazione Italiana per la Cultura della Cooperazione e del Non Profit.
  3. Noy, Ilan & Karim, Azreen, 2013. "Poverty, inequality and natural disasters – A survey," Working Paper Series, Victoria University of Wellington, School of Economics and Finance 2974, Victoria University of Wellington, School of Economics and Finance.
  4. Shonchoy, Abu S. & Kurosaki, Takashi, 2014. "Impact of seasonality-adjusted flexible microcredit on repayment and food consumption : experimental evidence from rural Bangladesh," IDE Discussion Papers, Institute of Developing Economies, Japan External Trade Organization(JETRO) 460, Institute of Developing Economies, Japan External Trade Organization(JETRO).
  5. TAMURA Sakuya & SAWADA Yasuyuki, 2009. "Consumption Insurance against Unforeseen Epidemics:The Case of Avian Influenza in Vietnam," Discussion papers, Research Institute of Economy, Trade and Industry (RIETI) 09023, Research Institute of Economy, Trade and Industry (RIETI).
  6. Berg, Gunhild & Schrader, Jan, 2012. "Access to credit, natural disasters, and relationship lending," Journal of Financial Intermediation, Elsevier, Elsevier, vol. 21(4), pages 549-568.
  7. Kurosaki, Takashi & Khan, Hidayat Ullah, 2011. "Vulnerability of Microfinance to Strategic Default and Covariate Shocks:Evidence from Pakistan," PRIMCED Discussion Paper Series, Institute of Economic Research, Hitotsubashi University 10, Institute of Economic Research, Hitotsubashi University.

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