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How does contract design affect the uptake of microcredit among the ultra-poor? : experimental evidence from the river islands of Northern Bangladesh
https://doi.org/10.20561/00037688
https://doi.org/10.20561/000376884307acc1-8a39-436b-9838-2d43e3ccadb2
| 名前 / ファイル | ライセンス | アクション |
|---|---|---|
本文 (1.0 MB)
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| Item type | アジ研テクニカルレポート / IDE Technical Report(1) | |||||
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| 公開日 | 2014-12-05 | |||||
| タイトル | ||||||
| タイトル | How does contract design affect the uptake of microcredit among the ultra-poor? : experimental evidence from the river islands of Northern Bangladesh | |||||
| 言語 | ||||||
| 言語 | eng | |||||
| 資源タイプ | ||||||
| 資源タイプ識別子 | http://purl.org/coar/resource_type/c_18gh | |||||
| 資源タイプ | technical report | |||||
| ID登録 | ||||||
| ID登録 | 10.20561/00037688 | |||||
| ID登録タイプ | JaLC | |||||
| 著者 |
Takahashi, Kazushi
× Takahashi, Kazushi× Shonchoy, Abu S.× Ito, Seiro× Kurosaki, Takashi |
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| 著者別名 | ||||||
| 高橋, 和志 | ||||||
| 著者別名 | ||||||
| 伊藤, 成朗 | ||||||
| 著者別名 | ||||||
| 黒崎, 卓 | ||||||
| 抄録 | ||||||
| 内容記述タイプ | Abstract | |||||
| 内容記述 | Despite the professed claims of microcredit alleviating poverty, little is known about what kind of credit contract is suitable for extremely poor households, also called the ultra-poor. To fill this knowledge gap, we initiated a field experiment in the river islands of northern Bangladesh, where a substantial portion of dwellers could be categorized as ultra-poor due to cyclic floods. We randomly offered four types of loans to such dwellers: regular small cash loans with one-year maturity, large cash loans with three-year maturity both with and without a one-year grace period, and in-kind livestock loans with three-year maturity and a one-year grace period. We compared uptake rates as well as the determinants of uptake and found that the uptake rate is the lowest for the regular contract, followed by the in-kind contract. Contrary to prior belief, we also found that the microcredit demand by the ultra-poor is not necessarily small, and in particular the ultra-poor are significantly more likely to join a microcredit program than the moderately poor if a grace period with longer maturity is attached to a large amount of credit, irrespective of whether the credit is provided in cash or in kind. This paper provides evidence that a typical microcredit contract with one-year maturity and without a grace period is not attractive to the ultra-poor. Microfinance institutions may need to design better credit contracts to address the poor's needs. | |||||
| 権利 | ||||||
| 権利情報 | Copyrights 日本貿易振興機構（ジェトロ）アジア経済研究所 / Institute of Developing Economies, Japan External Trade Organization (IDE-JETRO) http://www.ide.go.jp | |||||
| 収録情報 |
IDE Discussion Paper en : IDE Discussion Paper 巻 483, 発行日 2014-11-01 |
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| 出版者 | ||||||
| 出版者 | Institute of Developing Economies (IDE-JETRO) | |||||
| 著者版フラグ | ||||||
| 出版タイプ | VoR | |||||
| 出版タイプResource | http://purl.org/coar/version/c_970fb48d4fbd8a85 | |||||
| 日本十進分類法 | ||||||
| 主題Scheme | NDC | |||||
| 主題 | 338.7 | |||||
| JEL分類 | ||||||
| 主題Scheme | Other | |||||
| 主題 | JEL:D12 - Consumer Economics: Empirical Analysis | |||||
| JEL分類 | ||||||
| 主題Scheme | Other | |||||
| 主題 | JEL:G21 - Banks; Other Depository Institutions; Mortgages | |||||
| JEL分類 | ||||||
| 主題Scheme | Other | |||||
| 主題 | JEL:O12 - Microeconomic Analyses of Economic Development | |||||
| JEL分類 | ||||||
| 主題Scheme | Other | |||||
| 主題 | JEL:O16 - Financial Markets; Saving and Capital Investment | |||||
| 地域/国名 | ||||||
| 位置情報（自由記述） | バングラデシュ | |||||
| キーワード(LSH) | ||||||
| 主題Scheme | Other | |||||
| 主題 | Bangladesh | |||||
| キーワード(LSH) | ||||||
| 主題Scheme | Other | |||||
| 主題 | Microfinance | |||||
| キーワード(LSH) | ||||||
| 主題Scheme | Other | |||||
| 主題 | Poverty | |||||
| キーワード(LSH) | ||||||
| 主題Scheme | Other | |||||
| 主題 | Microcredit | |||||
| キーワード(LSH) | ||||||
| 主題Scheme | Other | |||||
| 主題 | Uptake | |||||
| キーワード(LSH) | ||||||
| 主題Scheme | Other | |||||
| 主題 | Ultra-poor | |||||
| キーワード(LSH) | ||||||
| 主題Scheme | Other | |||||
| 主題 | Program design | |||||
| フォーマット | ||||||
| 内容記述タイプ | Other | |||||
| 内容記述 | application/pdf | |||||
| DIG_NO | ||||||
| 内容記述タイプ | Other | |||||
| 内容記述 | IDP000483_001 | |||||
