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Integrative Report on the Informal Credit Markets in the Philippines


Author Info

  • Lamberte, Mario B.
  • Mangahas, Mahar
  • Agabin, Meliza H.
  • Abrera-Mangahas, Maria Alcestis


Utilizing data from Bangladesh, India, Indonesia, the Philippines and Thailand, this study conducts a comparative study of informal markets (ICM). It hopes to cover the major structure of ICMs, the size and its trends and the policy/legal environment. It also discusses the role of ICMs in savings generation, credit consumption, allocation efficiency and equity. How the interest rate is formed in ICM, together with the competition between the formal and informal sectors, the possible role of ICMs and the interlinkage of credit with other markets are analyzed. An optimal legal and policy environment towards the informal sector is offered.

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Bibliographic Info

Paper provided by Philippine Institute for Development Studies in its series Working Papers with number WP 1989-10.

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Length: 92
Date of creation: 1989
Date of revision:
Handle: RePEc:phd:wpaper:wp_1989-10

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Related research

Keywords: agriculture sector; credit policy; credit program; credit market; credit access;


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  1. repec:phd:rpseri:rps_1998-01 is not listed on IDEAS
  2. Manlagnit, Ma. Chelo V., 2004. "In-depth Analysis on the Access to and Suitability of the Loans," Discussion Papers DP 2004-05, Philippine Institute for Development Studies.


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