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Some preliminary but troubling evidence on group credits in microfinance programmes

  • Helke Waelde

    ()

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

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.

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File URL: http://www.macro.economics.uni-mainz.de/RePEc/pdf/Discussion_Paper_1101.pdf
File Function: First version, 2010
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Paper provided by Gutenberg School of Management and Economics, Johannes Gutenberg-Universität Mainz in its series Working Papers with number 1101.

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Length: 17 pages
Date of creation: 07 Dec 2010
Date of revision: 07 Dec 2010
Handle: RePEc:jgu:wpaper:1101
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