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Credit Information Systems in Less Developed Countries: A Test with Microfinance in Guatemala

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  • Jill Luoto
  • Craig McIntosh
  • Bruce Wydick
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    Abstract

    Increases in formal sector lending among the poor have created a need for credit information systems that provide potential lenders with borrower information. In this article we present fixed-effects estimations that attempt to measure the effect of a newly implemented credit information system in Guatemala. Our results indicate that improved screening effects from the system caused the level of portfolio arrears to decline approximately 2 percentage points after it was implemented in branch offices. We observe an even more substantial and significant effect of the information system in reducing late payments that occur during the loan cycle.

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    File URL: http://www.journals.uchicago.edu/cgi-bin/resolve?id=doi:10.1086/508714
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    Bibliographic Info

    Article provided by University of Chicago Press in its journal Economic Development and Cultural Change.

    Volume (Year): 55 (2007)
    Issue (Month): ()
    Pages: 313-334

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    Handle: RePEc:ucp:ecdecc:v:55:y:2007:p:313-334

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    Web page: http://www.journals.uchicago.edu/EDCC/

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    Cited by:
    1. Caterina Giannetti & Nicola Jentzsch & Giancarlo Spagnolo, 2010. "Information Sharing and Cross-border Entry in European Banking," CEIS Research Paper 178, Tor Vergata University, CEIS, revised 21 Dec 2010.
    2. Verónica Balzarotti & Alejandra Anastasi, 2013. "Does Competition for Novice Borrowers Hurt Access to Finance? An Analysis in a Context of High Risk and Low Outreach," Ensayos Económicos, Central Bank of Argentina, Economic Research Department, vol. 1(69), pages 101-149, December.
    3. Behr, Patrick & Sonnekalb, Simon, 2012. "The effect of information sharing between lenders on access to credit, cost of credit, and loan performance – Evidence from a credit registry introduction," Journal of Banking & Finance, Elsevier, vol. 36(11), pages 3017-3032.
    4. Ioannidou, V. & Penas, M.F., 2008. "Deposit Insurance and Bank Risk-Taking: Evidence from Internal Loan Ratings," Discussion Paper 2008-022, Tilburg University, Tilburg Law and Economic Center.
    5. Deininger, Klaus & Liu, Yanyan, 2009. "Determinants of repayment performance in Indian micro-credit groups," Policy Research Working Paper Series 4885, The World Bank.

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