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Self Help Groups: Use of modified ROSCAs in Microfinance

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  • Kumar Aniket

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Abstract

The paper documents the group lending mechanism used by a typical microfinance lender in Haryana, India. The mechanism had three interesting features. Firstly, the groups were initially formed as Rotating, Saving and Credit Associations. This enabled the lender to screen the groups. Second, there was significant heterogeneity within the group in terms of income and educational achievements. Third, the relatively wealthy individuals dominated the decision making process in the group and were able to obtain a disproportionate amount of credit allocated to the group.

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Bibliographic Info

Paper provided by Edinburgh School of Economics, University of Edinburgh in its series ESE Discussion Papers with number 137.

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Length: 54
Date of creation: Nov 2005
Date of revision:
Handle: RePEc:edn:esedps:137

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  1. Maitreesh Ghatak & Timothy W. Guinnane, 1998. "The Economics of Lending with Joint Liability: Theory and Practice," Discussion Papers 98-16, University of Copenhagen. Department of Economics.
  2. 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.
  3. Basu, Kaushik & Foster, James E., 1998. "On measuring literacy," Policy Research Working Paper Series 1997, The World Bank.
  4. Besley, T. & Coate, S. & Loury, G., 1992. "The economics of Rotating Savings and Credit Associations," Papers, Princeton, Woodrow Wilson School - Development Studies 157, Princeton, Woodrow Wilson School - Development Studies.
  5. Besley, T., 1993. "Savings, Credit and Insurance," Papers, Princeton, Woodrow Wilson School - Development Studies 167, Princeton, Woodrow Wilson School - Development Studies.
  6. Robin Burgess & Rohini Pande, 2005. "Do Rural Banks Matter? Evidence from the Indian Social Banking Experiment," American Economic Review, American Economic Association, vol. 95(3), pages 780-795, June.
  7. Hoff, Karla & Stiglitz, Joseph E, 1990. "Imperfect Information and Rural Credit Markets--Puzzles and Policy Perspectives," World Bank Economic Review, World Bank Group, World Bank Group, vol. 4(3), pages 235-50, September.
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Cited by:
  1. SODOKIN, Koffi, 2006. "La complémentarité des banques et des microbanques dans une approche de la comptabilité des flux et des stocks," LEG - Document de travail - Economie 2006-09, LEG, Laboratoire d'Economie et de Gestion, CNRS, Université de Bourgogne.

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