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Wie ehrlich sind Kunden von Mikrofinanzinstituten? Ein Bogus-Pipline-Experiment zur Untersuchung asymmetrischer Information im Mikrofinanzsektor auf den Philippinen

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  • Römer, Ulf
  • Mußhoff, Oliver
  • Weber, Ron
  • Turvey, Calum

Abstract

Obgleich die Aufrichtigkeit von Kreditantragstellern in der Literatur angezweifelt wird, sind Selbstauskünfte zur Einkommenssituation maßgebend für die Kreditwürdigkeitsprüfung in der Mikrofinanzierung. Dieser Beitrag untersucht, ob Antragsteller für Mikrokredite auf den Philippinen die Höhe ihres Einkommens korrekt angeben und ob sich der Grad der Aufrichtigkeit über die Einkommenssegmente unterscheidet. Hierfür wird ein Bogus-Pipeline-Experiment durchgeführt. Die Ergebnisse zeigen, dass Kreditantragsteller ihre Einkommen nicht wahrheitsgemäß angeben und dass dieser Effekt in den unteren Einkommenssegmenten stärker ausgeprägt ist als in den oberen. Ferner zeigen die Ergebnisse, dass sich mit einer längeren Kundenbeziehung die Ehrlichkeit von Kreditantragstellern erhöht.

Suggested Citation

  • Römer, Ulf & Mußhoff, Oliver & Weber, Ron & Turvey, Calum, 2017. "Wie ehrlich sind Kunden von Mikrofinanzinstituten? Ein Bogus-Pipline-Experiment zur Untersuchung asymmetrischer Information im Mikrofinanzsektor auf den Philippinen," 57th Annual Conference, Weihenstephan, Germany, September 13-15, 2017 261981, German Association of Agricultural Economists (GEWISOLA).
    • Handle: RePEc:ags:gewi17:261981
    DOI: 10.22004/ag.econ.261981
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    Agricultural Finance; Institutional and Behavioral Economics;

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