Who borrows among the poor? MC use determinants in Guatemala, with particular reference to social ties
AbstractWho borrows Micro Credit (MC) is the information needed to improve not only MC programs but also policies of poverty alleviation. This paper analyzes the MC use determinants taking social ties into account using data in Guatemalan Living Standard Measurement Study. It shows that the determinants are relatively different between the poor and the non-poor. It also shows that social ties could raise the possibility of MC utilization especially among the poor, which would verify the function of social ties as collateral of creditworthiness. Those excluded from MC may not be the poorest but the socially weakest.
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Bibliographic InfoPaper provided by Osaka School of International Public Policy, Osaka University in its series OSIPP Discussion Paper with number 09E002.
Length: 26 pages
Date of creation: Jan 2009
Date of revision:
Micro Credit (MC); social ties; information asymmetry; creditworthiness; Guatemala;
Find related papers by JEL classification:
- C25 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Discrete Regression and Qualitative Choice Models; Discrete Regressors; Proportions
- D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
- Q14 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - Agriculture - - - Agricultural Finance
This paper has been announced in the following NEP Reports:
- NEP-ALL-2009-01-24 (All new papers)
- NEP-DEV-2009-01-24 (Development)
- NEP-MFD-2009-01-24 (Microfinance)
- NEP-SOC-2009-01-24 (Social Norms & Social Capital)
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