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How does geographic distance affect credit market access in Niger ?

  • Pedrosa, Jose
  • Do, Quy-Toan

Distances involved in accessing basic services can constitute a major barrier to development. This paper analyzes the relationship between the distance separating households from microfinance institutions'offices in Niger, and the low levels of development and performance of the microfinance sector in the country. To cope with the effects of geographical distance, microfinance institutions adapt their policies through more restrictive loan conditions, higher interest rates, and more intensive screening. The authors to discuss the tension between access and sustainability in the context of financial services for the poor.

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Paper provided by The World Bank in its series Policy Research Working Paper Series with number 4772.

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Date of creation: 01 Nov 2008
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Handle: RePEc:wbk:wbrwps:4772
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  1. Fafchamps, Marcel & Moser, Christine, 2004. "Crime, Isolation, and Law Enforcement," Working Paper Series UNU-WIDER Research Paper , World Institute for Development Economic Research (UNU-WIDER).
  2. Mitchell A. Petersen & Raghuram G. Rajan, 2000. "Does Distance Still Matter? The Information Revolution in Small Business Lending," NBER Working Papers 7685, National Bureau of Economic Research, Inc.
  3. Marcel Fafchamps & Jackline Wahba, 2004. "Child Labor, Urban Proximity, and Household Composition," Economics Series Working Papers 213, University of Oxford, Department of Economics.
  4. Jacoby, Hanan C, 2000. "Access to Markets and the Benefits of Rural Roads," Economic Journal, Royal Economic Society, vol. 110(465), pages 713-37, July.
  5. Wendy Edelberg, 2004. "Testing for adverse selection and moral hazard in consumer loan markets," Finance and Economics Discussion Series 2004-09, Board of Governors of the Federal Reserve System (U.S.).
  6. Ghatak, Maitreesh, 1999. "Group lending, local information and peer selection," Journal of Development Economics, Elsevier, vol. 60(1), pages 27-50, October.
  7. Stephen Redding & Anthony J. Venables, 2002. "The Economics of Isolation and Distance," Nordic Journal of Political Economy, Nordic Journal of Political Economy, vol. 28, pages 93-108.
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