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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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  • Pedrosa, Jose & Do, Quy-Toan, 2008. "How does geographic distance affect credit market access in Niger ?," Policy Research Working Paper Series 4772, The World Bank.
  • Handle: RePEc:wbk:wbrwps:4772

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    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. Jacoby, Hanan C, 2000. "Access to Markets and the Benefits of Rural Roads," Economic Journal, Royal Economic Society, vol. 110(465), pages 713-737, July.
    7. Valeria Rueda & Guillaume Laval & Etienne Patin, 2016. "Achieving the American Dream: Cultural Distance, Cultural Diversity and Economic Performance," Economics Series Working Papers 140, University of Oxford, Department of Economics.
    8. 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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