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The Effects On Peasant Households Of Access To Formal Deposits And Loans

Author

Listed:
  • Schreiner, Mark
  • Graham, Douglas H.
  • Miranda, Mario J.

Abstract

A dynamic, stochastic, rational expectations model of a peasant household with access to deposits and loans (up to a credit limit) is solved and simulated. If formal contracts offer more favorable rates than informal contracts, then access to formal contracts increases average consumption and decreases its standard deviation.

Suggested Citation

  • Schreiner, Mark & Graham, Douglas H. & Miranda, Mario J., 1995. "The Effects On Peasant Households Of Access To Formal Deposits And Loans," Economics and Sociology Occasional Papers - ESO Series 28329, Ohio State University, Department of Agricultural, Environmental and Development Economics.
    • Handle: RePEc:ags:ohsesp:28329
    DOI: 10.22004/ag.econ.28329
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    References listed on IDEAS

    as
    1. Helpman, Elhanan, 1981. "Optimal Spending and Money Holdings in the Presence of Liquidity Constraints," Econometrica, Econometric Society, vol. 49(6), pages 1559-1570, November.
    2. Deaton, Angus, 1992. " Household Saving in LDCs: Credit Markets, Insurance and Welfare," Scandinavian Journal of Economics, Wiley Blackwell, vol. 94(2), pages 253-273.
    3. Haim Mendelson & Yakov Amihud, 1982. "Optimal Consumption Policy under Uncertain Income," Management Science, INFORMS, vol. 28(6), pages 683-697, June.
    4. Jonathan Morduch, 1995. "Income Smoothing and Consumption Smoothing," Journal of Economic Perspectives, American Economic Association, vol. 9(3), pages 103-114, Summer.
    Full references (including those not matched with items on IDEAS)

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