IDEAS home Printed from https://ideas.repec.org/p/jgu/wpaper/1101.html
   My bibliography  Save this paper

Some preliminary but troubling evidence on group credits in microfinance programmes

Author

Listed:
  • Helke Waelde

    () (Department of Economics, Johannes Gutenberg-Universitaet Mainz, Germany)

Abstract

Group lending programs are said to be the key factor of success of microÂ…nance. They are said to reduce information asymmetries in credit contracts and to increase repayment rates. Despite that, in recent years more and more individual credits without collateral are given, even if there is no mutual monitoring of the borrowers. We use basic descriptive statistics on individual- and group panel data, which we construct out of a World Bank data set. We provide Â…rst evidence that individuals that are not participating in group credits accumulate wealth more quickly than participants of group credit programs.

Suggested Citation

  • Helke Waelde, 2010. "Some preliminary but troubling evidence on group credits in microfinance programmes," Working Papers 1101, Gutenberg School of Management and Economics, Johannes Gutenberg-Universität Mainz, revised 07 Dec 2010.
  • Handle: RePEc:jgu:wpaper:1101
    as

    Download full text from publisher

    File URL: http://www.macro.economics.uni-mainz.de/RePEc/pdf/Discussion_Paper_1101.pdf
    File Function: First version, 2010
    Download Restriction: no

    References listed on IDEAS

    as
    1. Stefan Ropke & David Pisinger, 2006. "An Adaptive Large Neighborhood Search Heuristic for the Pickup and Delivery Problem with Time Windows," Transportation Science, INFORMS, pages 455-472.
    2. Timo Gschwind & Stefan Irnich, 2015. "Effective Handling of Dynamic Time Windows and Its Application to Solving the Dial-a-Ride Problem," Transportation Science, INFORMS, pages 335-354.
    3. Gerardo Berbeglia & Gilles Pesant & Louis-Martin Rousseau, 2011. "Checking the Feasibility of Dial-a-Ride Instances Using Constraint Programming," Transportation Science, INFORMS, pages 399-412.
    4. Cordeau, Jean-François & Laporte, Gilbert, 2003. "A tabu search heuristic for the static multi-vehicle dial-a-ride problem," Transportation Research Part B: Methodological, Elsevier, vol. 37(6), pages 579-594, July.
    5. Gschwind, Timo, 2015. "A comparison of column-generation approaches to the Synchronized Pickup and Delivery Problem," European Journal of Operational Research, Elsevier, vol. 247(1), pages 60-71.
    6. Kirchler, Dominik & Wolfler Calvo, Roberto, 2013. "A Granular Tabu Search algorithm for the Dial-a-Ride Problem," Transportation Research Part B: Methodological, Elsevier, vol. 56(C), pages 120-135.
    7. Jean-François Cordeau & Gilbert Laporte, 2007. "The dial-a-ride problem: models and algorithms," Annals of Operations Research, Springer, vol. 153(1), pages 29-46, September.
    8. Stefan Ropke & Jean-François Cordeau, 2009. "Branch and Cut and Price for the Pickup and Delivery Problem with Time Windows," Transportation Science, INFORMS, pages 267-286.
    9. Timo Gschwind, 2015. "Route Feasibility Testing and Forward Time Slack for the Synchronized Pickup and Delivery Problem," Working Papers 1503, Gutenberg School of Management and Economics, Johannes Gutenberg-Universität Mainz, revised 22 May 2015.
    10. Lauri Häme & Harri Hakula, 2015. "A Maximum Cluster Algorithm for Checking the Feasibility of Dial-A-Ride Instances," Transportation Science, INFORMS, pages 295-310.
    11. Braekers, Kris & Caris, An & Janssens, Gerrit K., 2014. "Exact and meta-heuristic approach for a general heterogeneous dial-a-ride problem with multiple depots," Transportation Research Part B: Methodological, Elsevier, vol. 67(C), pages 166-186.
    12. Yuan Qu & Jonathan F. Bard, 2015. "A Branch-and-Price-and-Cut Algorithm for Heterogeneous Pickup and Delivery Problems with Configurable Vehicle Capacity," Transportation Science, INFORMS, pages 254-270.
    13. Renaud Masson & Fabien Lehuédé & Olivier Péton, 2013. "An Adaptive Large Neighborhood Search for the Pickup and Delivery Problem with Transfers," Transportation Science, INFORMS, pages 344-355.
    Full references (including those not matched with items on IDEAS)

    More about this item

    JEL classification:

    • E43 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Interest Rates: Determination, Term Structure, and Effects
    • E52 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Monetary Policy
    • E58 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Central Banks and Their Policies
    • D44 - Microeconomics - - Market Structure, Pricing, and Design - - - Auctions

    NEP fields

    This paper has been announced in the following NEP Reports:

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:jgu:wpaper:1101. 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: (Research Unit IPP). General contact details of provider: http://edirc.repec.org/data/vlmaide.html .

    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.

    We have no references for this item. You can help adding them by using 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 RePEc Author Service 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.

    IDEAS is a RePEc service hosted by the Research Division of the Federal Reserve Bank of St. Louis . RePEc uses bibliographic data supplied by the respective publishers.