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Household-level Credit Constraints in Urban Ethiopia

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  • Gamal Ibrahim

    ()

  • Abbi Kedir
  • Sebastian Torres

Abstract

Empirical evidence on determinants of credit constraints and the amount borrowed by urban household in Sub-Saharan Africa is almost non-existent. Using an extended direct approach by virtue of the unique data set we have (the Fourth Round Ethiopian Urban Household Survey), we analysed the determinants of credit constraints and the amount borrowed by urban households. We find a high percentage of credit-constrained households, the majority of which constitute discouraged borrowers. Discrete choice models that control for potential endogeneity and selectivity bias have been fitted to our data. Our analysis shows current household resources, number of dependants, and location as significant correlates.

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File URL: http://www.le.ac.uk/economics/research/RePEc/lec/leecon/dp07-3.pdf
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Bibliographic Info

Paper provided by Department of Economics, University of Leicester in its series Discussion Papers in Economics with number 07/03.

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Date of creation: Mar 2007
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Handle: RePEc:lec:leecon:07/3

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Related research

Keywords: credit constrained households; credit rationing; endogeneity; instrumental variables; urban Ethiopia; Africa;

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Cited by:
  1. Koomson, Isaac & Annim, Samuel Kobina & Peprah, James Atta, 2014. "Loan Refusal, Household Income and Savings in Ghana," MPRA Paper 58049, University Library of Munich, Germany.
  2. Ayalew Ali, Daniel & Deininger, Klaus, 2012. "Causes and implications of credit rationing in rural Ethiopia : the importance of spatial variation," Policy Research Working Paper Series 6096, The World Bank.
  3. María Noelia Garbero, 2012. "Efectos de las restricciones de liquidez en la acumulación de capital humano: evidencia para Nicaragua," Económica, Departamento de Economía, Facultad de Ciencias Económicas, Universidad Nacional de La Plata, vol. 0, pages 53-95, January-D.
  4. María Noelia Garbero, 2012. "Un análisis de los efectos de las restricciones de liquidez en la acumulación de capital humano: Evidencia para Nicaragua," CEDLAS, Working Papers, CEDLAS, Universidad Nacional de La Plata 0136, CEDLAS, Universidad Nacional de La Plata.

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