Credit Unions as Channels of Micro-Credit Lines: The Philippine Case
AbstractOne of the important weapons the government has used to alleviate poverty is its credit policy aimed to mitigate destitution among small farm households. However, its intended recipients have not properly received the effort. Convinced that credit availability can be sustained to achieve poverty alleviation, the government has started to utilize informal financial institutions as credit conduits. This paper provides empirical support whether or not this strategy has been effective. In particular, it analyzes the performance of credit unions in terms of savings mobilization, credit allocation and profitability.
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Bibliographic InfoPaper provided by Philippine Institute for Development Studies in its series Discussion Papers with number DP 1995-25.
Date of creation: 1995
Date of revision:
savings mobilization; credit unions; financial system; interest rate; credit policy; credit channel/conduit; self-employment; savings deposit; profitability and feasibility;
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- Lamberte, Mario B. & Graham, Douglas H. & Relampagos, Julius P., 1990. "A Study of the Operations and Performance of Selected Cooperative Credit Unions," Working Papers, Philippine Institute for Development Studies WP 1990-23, Philippine Institute for Development Studies.
- Lamberte, Mario B. & Balbosa, Joven Zamoras, 1988. "Informal Savings and Credit Institutions in the Urban Areas: The Case of Cooperative Credit Unions," Working Papers, Philippine Institute for Development Studies WP 1988-06, Philippine Institute for Development Studies.
- Lamberte, Mario B. & Graham, Douglas H. & Relampagos, Julius P., 1990. "Credit Unions: An Underrated Mode of Mobilizing and Allocating Resources in Rural Areas," Working Papers, Philippine Institute for Development Studies WP 1990-21, Philippine Institute for Development Studies.
- Lamberte, Mario B. & Manlagnit, Ma. Chelo V., 2003. "Integrating Gender Perspectives in Evaluating the Efficiency of COFI: The Case of Credit Cooperatives in the Philippines," Discussion Papers, Philippine Institute for Development Studies DP 2003-06, Philippine Institute for Development Studies.
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