IDEAS home Printed from
MyIDEAS: Log in (now much improved!) to save this paper

Function of Savings and Credit Unions in Laos: From a Village-SCU Survey in Vientiane Vicinity

Listed author(s):
  • Mieno, Fumiharu
  • Chaleunsinh, Chansathith
Registered author(s):

    Savings and Credit Unions (SCUs), a type of self-help group, have been rapidly forming in Laotian villages since the early 2000s.This paper investigates their characteristics, activities, and exogenous determinants of their activity based on an original questionnaire survey.It presents a descriptive analysis of endogenous factors such as member ratios and deposit and loan amounts and exogenous factors such as SCUs' age, location, and village characteristics with descriptive analyses.The results revealed that SCUs' membership is formed early in their operating history and remains generally unchanged. Loans for production purposes are a larger percentage of SCUs' lending during their early years, shifting to consumption loans in later years. SCUs' performance features differ after five years in operation and in villages that have diversified away from agriculture. Economic diversification and SCUs' sustainability are related to immigrants settling in villages since the Laotian civil war. We conclude that SCUs serve obvious social and economic purposes and that prospects for their sustainability are greater in villages with diversified economies.

    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.

    File URL:
    Download Restriction: no

    Paper provided by Institute of Economic Research, Hitotsubashi University in its series PRIMCED Discussion Paper Series with number 52.

    in new window

    Length: 22 p.
    Date of creation: Mar 2014
    Handle: RePEc:hit:primdp:52
    Contact details of provider: Postal:
    2-1 Naka, Kunitachi City, Tokyo 186

    Phone: +81-42-580-8327
    Fax: +81-42-580-8333
    Web page:

    More information through EDIRC

    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.:

    in new window

    1. McIntosh, Craig & Wydick, Bruce, 2005. "Competition and microfinance," Journal of Development Economics, Elsevier, vol. 78(2), pages 271-298, December.
    2. Teranishi, Juro, 1994. "Modernization of financial markets: An analysis of informal credit markets in prewar Japan," World Development, Elsevier, vol. 22(3), pages 315-322, March.
    Full references (including those not matched with items on IDEAS)

    This item is not listed on Wikipedia, on a reading list or among the top items on IDEAS.

    When requesting a correction, please mention this item's handle: RePEc:hit:primdp:52. 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: (Digital Resources Section, Hitotsubashi University Library)

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If references are entirely missing, you can add them using this form.

    If the full references list an item that is present in RePEc, but the system did not link to it, you can help with this form.

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your profile, as there may be some citations waiting for confirmation.

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    This information is provided to you by IDEAS at the Research Division of the Federal Reserve Bank of St. Louis using RePEc data.