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Adding value to randomization with qualitative analysis : the case of microcredit in rural Morocco

Author

Listed:
  • Solène Morvant-Roux

    (UNIFR - Université de Fribourg = University of Fribourg)

  • Isabelle Guérin

    (IFP - Institut Français de Pondichéry - MEAE - Ministère de l'Europe et des Affaires étrangères - CNRS - Centre National de la Recherche Scientifique, CESSMA UMRD 245 - Centre d'études en sciences sociales sur les mondes africains, américains et asiatiques - IRD - Institut de Recherche pour le Développement - Inalco - Institut National des Langues et Civilisations Orientales - UPD7 - Université Paris Diderot - Paris 7)

  • Marc Roesch

    (Cirad - Centre de Coopération Internationale en Recherche Agronomique pour le Développement)

  • Jean-Yves Moisseron

    (CESSMA UMRD 245 - Centre d'études en sciences sociales sur les mondes africains, américains et asiatiques - IRD - Institut de Recherche pour le Développement - Inalco - Institut National des Langues et Civilisations Orientales - UPD7 - Université Paris Diderot - Paris 7)

Abstract

This paper analyzes microcredit demand and use to draw lessons on how households appropriate microcredit services. It introduces qualitative analysis to a randomized study. Findings suggest that microcredit demand and use is shaped not only by agro-ecological conditions, but by two major partially interrelated factors: debt-related norms articulated with the perception of the sanction in case of repayment default, and the "social life" of microcredit, namely, how social actors, credit officers, and local leaders, engage with microcredit. On a conceptual perspective we argue that microcredit "markets" do not result from supply confronting demand, but instead, are historical, political, and social constructs.

Suggested Citation

  • Solène Morvant-Roux & Isabelle Guérin & Marc Roesch & Jean-Yves Moisseron, 2014. "Adding value to randomization with qualitative analysis : the case of microcredit in rural Morocco," Post-Print ird-01471911, HAL.
    • Handle: RePEc:hal:journl:ird-01471911
    DOI: 10.1016/j.worlddev.2013.03.00
    Note: View the original document on HAL open archive server: https://ird.hal.science/ird-01471911v1
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