Credit for what? Informal credit as a coping strategy of market women in northern Ghana
AbstractThis paper analyzes the use of informal credit as a coping strategy against risk by market women in the city of Tamale, Ghana. Using qualitative research techniques, the analysis reveals that intra-household structure and allocation decisions determine these market-based coping strategies. Market women invest a considerable amount of working hours in maintaining complex credit networks as a safeguard against extreme risks. As a policy implication, this research suggests to provide market women with access to formal, reliable and long-term microfinance institutions, both to improve their ability to cope with risks and to reduce the risks they face. --
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Bibliographic InfoPaper provided by Verein für Socialpolitik, Research Committee Development Economics in its series Proceedings of the German Development Economics Conference, Berlin 2006 with number 24.
Date of creation: 2006
Date of revision:
micro-credit; informal markets; networks; coping strategies; intra-household allocation; women; Ghana;
Other versions of this item:
- Kati Schindler, 2010. "Credit for What? Informal Credit as a Coping Strategy of Market Women in Northern Ghana," Journal of Development Studies, Taylor & Francis Journals, vol. 46(2), pages 234-253.
- Kati Schindler, 2007. "Credit for What?: Informal Credit as a Coping Strategy of Market Women in Northern Ghana," Discussion Papers of DIW Berlin 715, DIW Berlin, German Institute for Economic Research.
- O17 - Economic Development, Technological Change, and Growth - - Economic Development - - - Formal and Informal Sectors; Shadow Economy; Institutional Arrangements
- D13 - Microeconomics - - Household Behavior - - - Household Production and Intrahouse Allocation
- O12 - Economic Development, Technological Change, and Growth - - Economic Development - - - Microeconomic Analyses of Economic Development
This paper has been announced in the following NEP Reports:
- NEP-AGR-2006-09-23 (Agricultural Economics)
- NEP-ALL-2006-09-23 (All new papers)
- NEP-DEV-2006-09-23 (Development)
- NEP-FMK-2006-09-23 (Financial Markets)
- NEP-MFD-2006-09-23 (Microfinance)
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