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Linking Formal Finance with Micro and Informal Finance

Author

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  • Ghate , Prabhu

    (Independent Researcher and Consultant and was formerly a Senior Economist in the ADB.)

Abstract

This paper first discusses the rationale for promoting linkages, or the flow of funds, between the formal financial sector on the one hand and Microfinance Institutions (MFIs) and informal lenders on the other. The next section discusses some issues that arise in promoting linkages with credit-NGOs, the most common form of MFI, both by banks, and by the Apex Financial Institutions (AFIs) that have been set up by governments to channel government and donor funds to MFIs. Section III discusses linkages in which the NGO instead of bearing credit risk and acting as a credit intermediary, plays the role of promoter of direct linkages between the banks and borrower groups. The last section is a case study of promoting linkages in India with pawnbrokers, one of several sources of informal credit for microente

Suggested Citation

  • Ghate , Prabhu, 2000. "Linking Formal Finance with Micro and Informal Finance," Bangladesh Development Studies, Bangladesh Institute of Development Studies (BIDS), vol. 26(2-3), pages 201-215, June-Sept.
    • Handle: RePEc:ris:badest:0401
    as

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    More about this item

    Keywords

    Banks; Bank loans; Lenders; Pawnbrokers Savings; Bank credit Loan rates; Nongovernmental organizations;
    All these keywords.

    JEL classification:

    • A12 - General Economics and Teaching - - General Economics - - - Relation of Economics to Other Disciplines

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