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Borrowing Across Borders: Migration and Microcredit in Rural Cambodia

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  • Maryann Bylander

Abstract

type="main"> This article explores an unexpected and overlooked consequence of the expansion of microcredit: how it interacts with migration patterns. Drawing on qualitative research in northwest Cambodia, this study explores the uses, meanings and implications of ‘migra-loans’ — microcredit loans that are used in tandem with household strategies of international migration. Using microcredit in combination with migration allows households to immediately meet consumption goals and utilize the credit being actively promoted by microfinance institutions, while also retreating from insecure and less profitable local livelihood strategies. These strategies problematize expectations about the developmental potential of microcredit, and highlight the importance of local context in framing rural livelihood choices.

Suggested Citation

  • Maryann Bylander, 2014. "Borrowing Across Borders: Migration and Microcredit in Rural Cambodia," Development and Change, International Institute of Social Studies, vol. 45(2), pages 284-307, March.
    • Handle: RePEc:bla:devchg:v:45:y:2014:i:2:p:284-307
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    File URL: http://hdl.handle.net/10.1111/dech.12080
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    1. David Mosse & Sanjeev Gupta & Mona Mehta & Vidya Shah & Julia fnms Rees & KRIBP Project Team, 2002. "Brokered livelihoods: Debt, Labour Migration and Development in Tribal Western India," Journal of Development Studies, Taylor & Francis Journals, vol. 38(5), pages 59-88.
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    4. Hing, Vutha & Lun, Pide & Phann, Dalis, 2011. "Irregular Migration from Cambodia: Characteristics, Challenges, and Regulatory Approach," Discussion Papers DP 2011-26, Philippine Institute for Development Studies.
    5. J. Edward Taylor & Scott Rozelle & Alan deBrauw, 1999. "Migration, Remittances, and Agricultural Productivity in China," American Economic Review, American Economic Association, vol. 89(2), pages 287-291, May.
    6. Marguerite S. Robinson, 2001. "The Microfinance Revolution," World Bank Publications - Books, The World Bank Group, number 28956, December.
    7. Timothée Demont, 2010. "The Impact of Microfinance on the Informal Credit Market: an Adverse Selection Model," Working Papers 1005, University of Namur, Department of Economics.
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    Cited by:

    1. Shivangi Bhatia & Seema Singh, 2019. "Empowering Women Through Financial Inclusion: A Study of Urban Slum," Vikalpa: The Journal for Decision Makers, , vol. 44(4), pages 182-197, December.
    2. W. Nathan Green, 2020. "Regulating Over‐indebtedness: Local State Power in Cambodia's Microfinance Market," Development and Change, International Institute of Social Studies, vol. 51(6), pages 1429-1453, November.
    3. Supriya Garikipati & Susan Johnson & Isabelle Guérin & Ariane Szafarz, 2017. "Microfinance and Gender: Issues, Challenges and The Road Ahead," Journal of Development Studies, Taylor & Francis Journals, vol. 53(5), pages 641-648, May.
    4. Felkner, John S. & Lee, Hyun & Shaikh, Sabina & Kolata, Alan & Binford, Michael, 2022. "The interrelated impacts of credit access, market access and forest proximity on livelihood strategies in Cambodia," World Development, Elsevier, vol. 155(C).
    5. Maryann Bylander & Erin Hamilton, 2015. "Loans and Leaving: Migration and the Expansion of Microcredit in Cambodia," Population Research and Policy Review, Springer;Southern Demographic Association (SDA), vol. 34(5), pages 687-708, October.
    6. Flower, Benjamin C.R., 2018. "Does informal tenure result in land inequality? A critique of tenure formalisation reforms in Cambodia," Land Use Policy, Elsevier, vol. 77(C), pages 240-248.

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