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Use of microcredit for household income and consumption smoothing by low income communities

Author

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  • Vathsala Wickramasinghe

    (University of Moratuwa)

  • Dilshan Fernando

    (University of Moratuwa)

Abstract

This paper discusses findings of a study that investigated income, savings and consumption patterns of low income people, and critical factors that influence the use of microcredit- a form of small instant loans targeted for low income people- for household income and consumption smoothing. The sample of the study consisted of households from low income communities living in a lower-middle income country- Sri Lanka. It was found that microcredit borrowers were using the loans for purposes that can be identified as income and consumption smoothing, which is beyond the ideas and intended practice of microcredit. The findings suggests that the consequences of using microcredit for income and consumption smoothing could be costly for households and the society at large.

Suggested Citation

  • Vathsala Wickramasinghe & Dilshan Fernando, 2017. "Use of microcredit for household income and consumption smoothing by low income communities," Post-Print hal-05588233, HAL.
    • Handle: RePEc:hal:journl:hal-05588233
    DOI: 10.1111/ijcs.12378
    Note: View the original document on HAL open archive server: https://hal.science/hal-05588233v1
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