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Contraintes de crédit, collatéral et prêts aux pauvres

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  • Marcel Fafchamps

Abstract

In the development economics literature it is common to read that the poor cannot invest to escape their poverty because they are credit constrained, and that they are credit constrained because they lack collateral. In this paper the author deconstructs these often heard arguments and finds them fundamentally flawed. He argues that lack of collateral is not the reason why the poor often are credit constrained - lack of regular income is.

Suggested Citation

  • Marcel Fafchamps, 2013. "Contraintes de crédit, collatéral et prêts aux pauvres," Revue d’économie du développement, De Boeck Université, vol. 21(2), pages 79-100.
    • Handle: RePEc:cai:edddbu:edd_272_0079
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    Keywords

    poverty; debt; savings;
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