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Microfinance Market Niches and Client Profiles in Bolivia

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Author Info

  • Claudio Gonzalez-Vega

    (Ohio State University)

  • Richard L. Meyer

    (OSU)

  • Sergio Navajas

    (OSU)

  • Mark Schreiner

    (Washington University in St. Louis)

  • Jorge Rodriguez-Meza

    (OSU)

  • Guillermo Monje

    (OSU)

Abstract

This paper presents and interprets descriptive statistics generated from data obtained in a survey of clients of five microfinance organizations believed to be among the best in Bolivia. These lenders represent different combinations of organizational design, lending technology, and market area of operations. Two are regulated financial intermediaries and three are NGOs. Two operate in rural areas (PRODEM and Sartawi) and three operate in urban areas (BancoSol, FIE, and Caja Los Andes). Two offer individual loans and three grant loans through joint liability groups. The paper discusses household-enterprise profiles of a sample of 622 clients and identifies terms and conditions of loan contracts with these organizations to evaluate the depth and quality of their outreach.

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Bibliographic Info

Paper provided by EconWPA in its series Computational Economics with number 0109002.

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Date of creation: 05 Sep 2001
Date of revision:
Handle: RePEc:wpa:wuwpco:0109002

Note: Type of Document - Adobe Acrobat 3.0; prepared on Windows 98; to print on Adobe Acrobat 3.0; pages: ; figures: Included in pdf file
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Related research

Keywords: Marketing; segmentation; Bolivia; competition; microfinance;

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References

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  1. Nagarajan, Geetha & Meyer, Richard L. & Hushak, Leroy J., 1995. "Segmentation in the informal credit markets: the case of the Philippines," Agricultural Economics, Blackwell, vol. 12(2), pages 171-181, August.
  2. Yaron, Jacob, 1994. "What Makes Rural Finance Institutions Successful?," World Bank Research Observer, World Bank Group, vol. 9(1), pages 49-70, January.
  3. Stiglitz, Joseph E & Weiss, Andrew, 1981. "Credit Rationing in Markets with Imperfect Information," American Economic Review, American Economic Association, vol. 71(3), pages 393-410, June.
  4. repec:wop:ohsesp:2347 is not listed on IDEAS
  5. Besley, T. & Coate, S., 1991. "Group Lending, Repayment Incentives And Social Collateral," Papers 152, Princeton, Woodrow Wilson School - Development Studies.
  6. Stiglitz, Joseph E, 1990. "Peer Monitoring and Credit Markets," World Bank Economic Review, World Bank Group, vol. 4(3), pages 351-66, September.
  7. Reinhard H. Schmidt & Claus-Peter Zeitinger, 1996. "Prospects, problems and potential of credit-granting NGOs," Journal of International Development, John Wiley & Sons, Ltd., vol. 8(2), pages 241-258.
  8. Gonzalez-Vega, Claudio & Schreiner, Mark & Meyer, Richard L. & Rodriguez-Meza, Jorge & Navajas, Sergio, 1996. "Bancosol: The Challenge Of Growth For Microfinance Organizations," Economics and Sociology Occasional Papers 28333, Ohio State University, Department of Agricultural, Environmental and Development Economics.
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Citations

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Cited by:
  1. Navajas, Sergio & Schreiner, Mark, 1998. "Apex Organizations And The Growth Of Microfinance In Bolivia," Economics and Sociology Occasional Papers 28324, Ohio State University, Department of Agricultural, Environmental and Development Economics.
  2. Ulrike Vogelgesang, 2001. "The Impact of Microfinance Loans on the Clients' Enterprises: Caja Los Andes, Bolivia," GK working paper series 2001-03, Post Graduate Programme "Allocation on Financial Markets", University of Mannheim, revised Nov 2001.
  3. Vega, Claudio Gonzalez & Schreiner, Mark & Meyer, Richard L. & Meza, Jorge Rodriguez & Navajas, Sergio, 1996. "Bancosol: El Reto Del Crecimiento En Organizaciones De Microfinanzas," Economics and Sociology Occasional Papers 28328, Ohio State University, Department of Agricultural, Environmental and Development Economics.
  4. Ulrike Vogelgesang, 2000. "Investigating Microfinance: Caja Los Andes, Bolivia," GK working paper series 2001-01, Post Graduate Programme "Allocation on Financial Markets", University of Mannheim, revised Nov 2001.
  5. Mark Schreiner, 2001. "Aspects of Outreach: A Framework for the Discussion of the Social Benefits of Microfinance," Development and Comp Systems 0109003, EconWPA.
  6. Sergio Navajas & Jonathan Conning & Claudio Gonzalez-Vega, 2003. "Lending technologies, competition and consolidation in the market for microfinance in Bolivia," Journal of International Development, John Wiley & Sons, Ltd., vol. 15(6), pages 747-770.
  7. Navajas, Sergio & Schreiner, Mark & Meyer, Richard L. & Gonzalez-vega, Claudio & Rodriguez-meza, Jorge, 2000. "Microcredit and the Poorest of the Poor: Theory and Evidence from Bolivia," World Development, Elsevier, vol. 28(2), pages 333-346, February.
  8. Mark Schreiner, 2002. "Aspects of outreach: a framework for discussion of the social benefits of microfinance," Journal of International Development, John Wiley & Sons, Ltd., vol. 14(5), pages 591-603.

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