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Who borrows among the poor? MC use determinants in Guatemala, with particular reference to social ties

Author

Listed:
  • Masako Hasegawa

    (Osaka School of International Public Policy (OSIPP),Osaka University)

Abstract

Who borrows Micro Credit (MC) is the information needed to improve not only MC programs but also policies of poverty alleviation. This paper analyzes the MC use determinants taking social ties into account using data in Guatemalan Living Standard Measurement Study. It shows that the determinants are relatively different between the poor and the non-poor. It also shows that social ties could raise the possibility of MC utilization especially among the poor, which would verify the function of social ties as collateral of creditworthiness. Those excluded from MC may not be the poorest but the socially weakest.

Suggested Citation

  • Masako Hasegawa, 2009. "Who borrows among the poor? MC use determinants in Guatemala, with particular reference to social ties," OSIPP Discussion Paper 09E002, Osaka School of International Public Policy, Osaka University.
  • Handle: RePEc:osp:wpaper:09e002
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    File URL: http://www.osipp.osaka-u.ac.jp/archives/DP/2009/DP2009E002.pdf
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    More about this item

    Keywords

    Micro Credit (MC); social ties; information asymmetry; creditworthiness; Guatemala;

    JEL classification:

    • C25 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Discrete Regression and Qualitative Choice Models; Discrete Regressors; Proportions; Probabilities
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • Q14 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - Agriculture - - - Agricultural Finance

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