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How does geographic distance affect credit market access in Niger ?

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  • Pedrosa, Jose
  • Do, Quy-Toan

Abstract

Distances involved in accessing basic services can constitute a major barrier to development. This paper analyzes the relationship between the distance separating households from microfinance institutions'offices in Niger, and the low levels of development and performance of the microfinance sector in the country. To cope with the effects of geographical distance, microfinance institutions adapt their policies through more restrictive loan conditions, higher interest rates, and more intensive screening. The authors to discuss the tension between access and sustainability in the context of financial services for the poor.

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Bibliographic Info

Paper provided by The World Bank in its series Policy Research Working Paper Series with number 4772.

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Date of creation: 01 Nov 2008
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Handle: RePEc:wbk:wbrwps:4772

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  1. Mitchell A. Petersen & Raghuram G. Rajan, 2002. "Does Distance Still Matter? The Information Revolution in Small Business Lending," Journal of Finance, American Finance Association, vol. 57(6), pages 2533-2570, December.
  2. Jacoby, Hanan G., 1998. "Access to markets and the benefits of rural roads," Policy Research Working Paper Series 2028, The World Bank.
  3. Fafchamps, Marcel & Wahba, Jackline, 2006. "Child Labor, Urban Proximity and Household Composition," IZA Discussion Papers 1966, Institute for the Study of Labor (IZA).
  4. Stephen Redding & Anthony J. Venables, 2002. "The Economics of Isolation and Distance," Nordic Journal of Political Economy, Nordic Journal of Political Economy, vol. 28, pages 93-108.
  5. Ghatak, Maitreesh, 1999. "Group lending, local information and peer selection," Journal of Development Economics, Elsevier, vol. 60(1), pages 27-50, October.
  6. Marcel Fafchamps & Christine Moser, 2003. "Crime, Isolation, and Law Enforcement," Economics Series Working Papers 140, University of Oxford, Department of Economics.
  7. Wendy Edelberg, 2004. "Testing for adverse selection and moral hazard in consumer loan markets," Finance and Economics Discussion Series 2004-09, Board of Governors of the Federal Reserve System (U.S.).
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