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Credit for What? : Informal Credit as a Coping Strategy of Market Women in Northern Ghana

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Author Info
Kati Schindler

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Abstract

This paper analyzes the use of informal credit as a strategy to cope with risk by market women in the city of Tamale, northern Ghana. Based on qualitative research techniques, the analysis reveals that the intra-household structure determines these market-based coping strategies. Market women invest a considerable amount of time in maintaining complex credit networks to insure against a loss of trading capital and labor. As a policy implication, this research suggests providing market women with access to formal, reliable and long-term microfinance, both to minimize their exposure to risks and to enhance their ability to cope with risks.

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Paper provided by DIW Berlin, German Institute for Economic Research in its series Discussion Papers of DIW Berlin with number 715.

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Length: 28 p.
Date of creation: 2007
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Handle: RePEc:diw:diwwpp:dp715

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Related research
Keywords: Africa Ghana informal finance coping strategies intra-household allocation women

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Find related papers by JEL classification:
O12 - Economic Development, Technological Change, and Growth - - Economic Development - - - Microeconomic Analyses of Economic Development
O17 - Economic Development, Technological Change, and Growth - - Economic Development - - - Formal and Informal Sectors; Shadow Economy; Institutional Arrangements
D13 - Microeconomics - - Household Behavior - - - Household Production and Intrahouse Allocation

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  1. Albanesi, Stefania & Olivetti, Claudia, 2005. "Home Production, Market Production and the Gender Wage Gap: Incentives and Expectations," CEPR Discussion Papers 4984, C.E.P.R. Discussion Papers. [Downloadable!] (restricted)
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  2. Kochar, Anjini, 1997. "An empirical investigation of rationing constraints in rural credit markets in India," Journal of Development Economics, Elsevier, vol. 53(2), pages 339-371, August. [Downloadable!] (restricted)
  3. Jain, Sanjay & Mansuri, Ghazala, 2003. "A little at a time: the use of regularly scheduled repayments in microfinance programs," Journal of Development Economics, Elsevier, vol. 72(1), pages 253-279, October. [Downloadable!] (restricted)
  4. Martin Browning & Valérie Lechene, 2001. "Caring and Sharing: Tests Between Alternative Models of Intra-household Allocation," Discussion Papers 01-07, University of Copenhagen. Department of Economics. [Downloadable!]
    Other versions:
  5. Mikkel Barslund & Finn Tarp, 2006. "Rural Credit in Vietnam," Discussion Papers 06-03, University of Copenhagen. Department of Economics. [Downloadable!]
  6. Udry, Christopher, 1990. "Credit Markets in Northern Nigeria: Credit as Insurance in a Rural Economy," World Bank Economic Review, Oxford University Press, vol. 4(3), pages 251-69, September.
  7. Tsai, Kellee S., 2004. "Imperfect Substitutes: The Local Political Economy of Informal Finance and Microfinance in Rural China and India," World Development, Elsevier, vol. 32(9), pages 1487-1507, September. [Downloadable!] (restricted)
  8. Gosling, Amanda & Karagiannaki, Eleni, 2004. "Intra-Household Allocation and the Living Standards of the Elderly in Greece," CEPR Discussion Papers 4776, C.E.P.R. Discussion Papers. [Downloadable!] (restricted)
  9. Suen, Wing & Chan, William & Zhang, Junsen, 2003. "Marital transfer and intra-household allocation: a Nash-bargaining analysis," Journal of Economic Behavior & Organization, Elsevier, vol. 52(1), pages 133-146, September. [Downloadable!] (restricted)
  10. Christopher Udry & Timothy G. Conley, 2004. "Social Networks in Ghana," Working Papers 888, Economic Growth Center, Yale University. [Downloadable!]
  11. Sonia Bhalotra, 2004. "Early Childhood Investments in Human Capital: Parental Resources and Preferences," Bristol Economics Discussion Papers 04/562, Department of Economics, University of Bristol, UK. [Downloadable!]
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