Credit Information Systems in Less Developed Countries: A Test with Microfinance in Guatemala
Increases in formal sector lending among the poor have created a need for credit information systems that provide potential lenders with borrower information. In this article we present fixed-effects estimations that attempt to measure the effect of a newly implemented credit information system in Guatemala. Our results indicate that improved screening effects from the system caused the level of portfolio arrears to decline approximately 2 percentage points after it was implemented in branch offices. We observe an even more substantial and significant effect of the information system in reducing late payments that occur during the loan cycle.
If you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.
As the access to this document is restricted, you may want to look for a different version under "Related research" (further below) or search for a different version of it.
Volume (Year): 55 (2007)
Issue (Month): ()
|Contact details of provider:|| Web page: http://www.journals.uchicago.edu/EDCC/|
References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
- Hoff, Karla & Stiglitz, Joseph E., 1998.
"Moneylenders and bankers: price-increasing subsidies in a monopolistically competitive market,"
Journal of Development Economics,
Elsevier, vol. 55(2), pages 485-518, April.
- Hoff, Karla & Stiglitz, Joseph E., 1997. "Moneylenders and bankers: price-increasing subsidies in a monopolistically competitive market," Journal of Development Economics, Elsevier, vol. 52(2), pages 429-462, April.
- Vercammen, James A, 1995. "Credit Bureau Policy and Sustainable Reputation Effects in Credit Markets," Economica, London School of Economics and Political Science, vol. 62(248), pages 461-478, November.
When requesting a correction, please mention this item's handle: RePEc:ucp:ecdecc:v:55:y:2007:p:313-334. See general information about how to correct material in RePEc.
For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Journals Division)
If references are entirely missing, you can add them using this form.