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The ‘Impossible’ Default: Qualitative Data on Borrower Responses to Two Types of Social-Collateral Microfinance Structures in Rural China

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  • Becky Hsu

Abstract

Qualitative data reveal how the social context underlying the ties linking borrowers in microfinance programmes influences their decisions. Focusing directly on social context makes it possible to distinguish between two social-collateral structures and explain why one facilitated repayment while the other did not. Fieldwork in rural China shows that the basis of the social ties in the social-collateral structure is central to explaining whether and why individuals decided to sanction defaulters and repay loans. The article closes with reflections on generalisations of these findings to future microfinance research.

Suggested Citation

  • Becky Hsu, 2016. "The ‘Impossible’ Default: Qualitative Data on Borrower Responses to Two Types of Social-Collateral Microfinance Structures in Rural China," Journal of Development Studies, Taylor & Francis Journals, vol. 52(1), pages 147-159, January.
    • Handle: RePEc:taf:jdevst:v:52:y:2016:i:1:p:147-159
    DOI: 10.1080/00220388.2015.1093115
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    Cited by:

    1. Y. Svetiev & E. Dermineur & U. Kolanisi, 2022. "Financialization and Sustainable Credit: Lessons from Non-Intermediated Transactions?," Journal of Consumer Policy, Springer, vol. 45(4), pages 673-698, December.
    2. Mohammad Aslam & Senthil Kumar & Shahryar Sorooshian, 2020. "Predicting Likelihood for Loan Default Among Bank Borrowers," International Journal of Financial Research, International Journal of Financial Research, Sciedu Press, vol. 11(1), pages 318-328, January.

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