Credit Information Systems in Less Developed Countries: A Test with Microfinance in Guatemala
AbstractIncreases 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.
Download InfoIf you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.
Bibliographic InfoArticle provided by University of Chicago Press in its journal Economic Development and Cultural Change.
Volume (Year): 55 (2007)
Issue (Month): ()
Contact details of provider:
Web page: http://www.journals.uchicago.edu/EDCC/
You can help add them by filling out this form.
CitEc Project, subscribe to its RSS feed for this item.
- Ioannidou, Vasso P. & Penas, María Fabiana, 2010.
"Deposit insurance and bank risk-taking: Evidence from internal loan ratings,"
Journal of Financial Intermediation, Elsevier,
Elsevier, vol. 19(1), pages 95-115, January.
- Ioannidou, V. & Penas, M.F., 2008. "Deposit Insurance and Bank Risk-Taking: Evidence from Internal Loan Ratings," Discussion Paper, Tilburg University, Tilburg Law and Economic Center 2008-022, Tilburg University, Tilburg Law and Economic Center.
- Giannetti, Caterina & Jentzsch, Nicola & Spagnolo, Giancarlo, 2010.
"Information Sharing and Cross-Border Entry in European Banking,"
ECRI Papers, Centre for European Policy Studies
2990, Centre for European Policy Studies.
- Caterina Giannetti & Nicola Jentzsch & Giancarlo Spagnolo, 2010. "Information Sharing and Cross-border Entry in European Banking," CEIS Research Paper, Tor Vergata University, CEIS 178, Tor Vergata University, CEIS, revised 21 Dec 2010.
- Caterina Giannetti & Nicola Jentzsch & Giancarlo Spagnolo, 2010. "Information Sharing and Cross-border Entry in European Banking," Discussion Papers of DIW Berlin 980, DIW Berlin, German Institute for Economic Research.
- 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, Elsevier, vol. 36(11), pages 3017-3032.
- Deininger, Klaus & Liu, Yanyan, 2009. "Determinants of repayment performance in Indian micro-credit groups," Policy Research Working Paper Series 4885, The World Bank.
- 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, Central Bank of Argentina, Economic Research Department, vol. 1(69), pages 101-149, December.
- Manuel Hernandez & Maximo Torero, 2014. "Parametric versus nonparametric methods in risk scoring: an application to microcredit," Empirical Economics, Springer, Springer, vol. 46(3), pages 1057-1079, May.
For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Journals Division).
If references are entirely missing, you can add them using this form.