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Credit Unions as Channels of Micro-Credit Lines: The Philippine Case

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  • Lamberte, Mario B.

Abstract

One of the important weapons the government has used to alleviate poverty is its credit policy aimed to mitigate destitution among small farm households. However, its intended recipients have not properly received the effort. Convinced that credit availability can be sustained to achieve poverty alleviation, the government has started to utilize informal financial institutions as credit conduits. This paper provides empirical support whether or not this strategy has been effective. In particular, it analyzes the performance of credit unions in terms of savings mobilization, credit allocation and profitability.

Suggested Citation

  • Lamberte, Mario B., 1995. "Credit Unions as Channels of Micro-Credit Lines: The Philippine Case," Discussion Papers DP 1995-25, Philippine Institute for Development Studies.
  • Handle: RePEc:phd:dpaper:dp_1995-25
    as

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    References listed on IDEAS

    as
    1. Lamberte, Mario B. & Mangahas, Mahar & Agabin, Meliza H. & Abrera-Mangahas, Maria Alcestis, 1989. "Integrative Report on the Informal Credit Markets in the Philippines," Working Papers WP 1989-10, Philippine Institute for Development Studies.
    2. Lamberte, Mario B. & Balbosa, Joven Zamoras, 1988. "Informal Savings and Credit Institutions in the Urban Areas: The Case of Cooperative Credit Unions," Working Papers WP 1988-06, Philippine Institute for Development Studies.
    3. Lamberte, Mario B. & Graham, Douglas H. & Relampagos, Julius P., 1990. "Credit Unions: An Underrated Mode of Mobilizing and Allocating Resources in Rural Areas," Working Papers WP 1990-21, Philippine Institute for Development Studies.
    4. Lamberte, Mario B. & Graham, Douglas H. & Relampagos, Julius P., 1990. "A Study of the Operations and Performance of Selected Cooperative Credit Unions," Working Papers WP 1990-23, Philippine Institute for Development Studies.
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    Cited by:

    1. Lamberte, Mario B. & Manlagnit, Ma. Chelo V., 2003. "Integrating Gender Perspectives in Evaluating the Efficiency of COFI: The Case of Credit Cooperatives in the Philippines," Discussion Papers DP 2003-06, Philippine Institute for Development Studies.

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