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Segmentation in the Philippine Informal Credit Marktes: A Multinomial Logit Analysis


  • Meyer, Richard L.
  • Nagarajan, Geetha
  • Hushak, Leroy J.


The paper explains the market segmentation that occurs in the Philippine informal credit markets through the matching of borrows and lenders by their occupational specialization which internalizes transaction costs and facilitates economic activity. The regression results support a predictable pattern of matching farmers lenders with borrowers specialization in non-farm activities and trader lenders with borrowers specialized in farming.

Suggested Citation

  • Meyer, Richard L. & Nagarajan, Geetha & Hushak, Leroy J., 1997. "Segmentation in the Philippine Informal Credit Marktes: A Multinomial Logit Analysis," 1997 Occasional Paper Series No. 7 198184, International Association of Agricultural Economists.
  • Handle: RePEc:ags:iaaeo7:198184
    DOI: 10.22004/ag.econ.198184

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    References listed on IDEAS

    1. Stiglitz, Joseph E, 1990. "Peer Monitoring and Credit Markets," World Bank Economic Review, World Bank Group, vol. 4(3), pages 351-366, September.
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    Financial Economics;


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