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Microfinance traps and relational exchange norms : A field study of women entrepreneurs in Tanzania

Author

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  • Marta Lindvert

    (EM - EMLyon Business School)

  • Pankaj C. Patel
  • Celina Smith

Abstract

In interdependent social groups, microfinance traps occur when conflicts arise between borrowers' affective ties related to family needs and instrumental ties related to obligations toward their loan group. Thus, the social capital that facilitates microfinancing can lead to conflicting obligations toward business needs and economic obligations toward family. Building on an inductive field study among female entrepreneurs in Tanzania, we conceptualize microfinance traps. By using relational contract theory to interpret the qualitative data, we argue that microfinance traps can be reduced by balancing role integrity, preserving norms and reciprocity, and harmonizing the social matrix toward the family and loan group.

Suggested Citation

  • Marta Lindvert & Pankaj C. Patel & Celina Smith, 2019. "Microfinance traps and relational exchange norms : A field study of women entrepreneurs in Tanzania," Post-Print hal-02311916, HAL.
    • Handle: RePEc:hal:journl:hal-02311916
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    Cited by:

    1. Naegels, Vanessa & Mori, Neema & D'Espallier, Bert, 2022. "The process of female borrower discouragement," Emerging Markets Review, Elsevier, vol. 50(C).
    2. Naegels, Vanessa & D’Espallier, Bert & Mori, Neema, 2020. "Perceived problems with collateral: The value of informal networking," International Review of Economics & Finance, Elsevier, vol. 65(C), pages 32-45.

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