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Accessibility and Impact of Rural Credit Cooperatives Microcredit Programmes to Rural Households: A Case Study from Hubei Province, China

In: Microfinance in Asia

Author

Listed:
  • Mohamad D. Revindo
  • Christopher Gan

Abstract

Microcredit programme was introduced in China in 1994 to ameliorate rural poverty in a financially sustainable way. Since the year 2000, microcredit programmes have been mostly carried out by Rural Credit Cooperatives (RCCs) that have successfully expanded the financial access to farmers and at the same time achieved high timely repayment rate. This chapter draws the case of RCCs’ microcredit in Hubei Province and looks at whether the implementation of RCCs’ microcredit is an effective instrument to improve the rural households’ welfare and whether it actually reaches the poorest population in rural areas. The evidence show that poor rural households are still constrained to access the microcredit due to some household-related factors as well as obstacles at RCCs’ institutional level. The RCCs’ microcredit marginally improve borrowers’ welfare and the positive impact on welfare only takes effect as the cumulative amount of loan grows. RCCs’ microcredit also enables women in rural China to have better social status which is manifested in several dimensions of women empowerment.

Suggested Citation

  • Mohamad D. Revindo & Christopher Gan, 2017. "Accessibility and Impact of Rural Credit Cooperatives Microcredit Programmes to Rural Households: A Case Study from Hubei Province, China," World Scientific Book Chapters, in: Microfinance in Asia, chapter 10, pages 319-336, World Scientific Publishing Co. Pte. Ltd..
    • Handle: RePEc:wsi:wschap:9789813147959_0010
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    Citations

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    Cited by:

    1. Zhao Ding & Awudu Abdulai, 2020. "An Analysis of the Factors Influencing Choice of Microcredit Sources and Impact of Participation on Household Income," Journal of International Development, John Wiley & Sons, Ltd., vol. 32(4), pages 505-525, May.
    2. Tanjinul Hoque Mollah & Sharmin Shishir & Wahid Ullah & Takaaki Nihei, 2019. "Assessing NGOs micro-credit programs: a geo-spatial and socio-economic scenario from rural Bangladesh," International Review of Economics, Springer;Happiness Economics and Interpersonal Relations (HEIRS), vol. 66(2), pages 79-99, June.
    3. Dewi Ratna Sjari Martokoesoemo & Bonar M. Sinaga & Nunung Kusnadi & Yusman Syaukat, 2020. "Business Vulnerability and Credit Access for Agriculture-Based Micro and Small Women Entrepreneurs," Economics and Finance in Indonesia, Faculty of Economics and Business, University of Indonesia, vol. 66, pages 97-111, Desember.

    More about this item

    Keywords

    Microfinance; Poverty Alleviation; Rural Credit; Asia; Grameen Bank;
    All these keywords.

    JEL classification:

    • F30 - International Economics - - International Finance - - - General

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