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Impact of seasonality-adjusted flexible microcredit on repayment and food consumption : experimental evidence from rural Bangladesh
https://doi.org/10.20561/00037710
https://doi.org/10.20561/000377105c6eb692-96e0-4066-850e-b08a9877a564
| 名前 / ファイル | ライセンス | アクション |
|---|---|---|
本文 (455.7 kB)
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| Item type | アジ研テクニカルレポート / IDE Technical Report(1) | |||||
|---|---|---|---|---|---|---|
| 公開日 | 2014-04-09 | |||||
| タイトル | ||||||
| タイトル | Impact of seasonality-adjusted flexible microcredit on repayment and food consumption : experimental evidence from rural 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 | 10.20561/00037710 | |||||
| ID登録タイプ | JaLC | |||||
| 著者 |
Shonchoy, Abu S.
× Shonchoy, Abu S.× Kurosaki, Takashi |
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| 著者別名 | ||||||
| 黒崎, 卓 | ||||||
| 抄録 | ||||||
| 内容記述タイプ | Abstract | |||||
| 内容記述 | The mismatch between credit repayments and income seasonality poses a challenge for microfinance institutions (MFIs) working in developing countries. For instance, in northern Bangladesh, income and consumption downfalls during the lean season after the transplanting of major paddy crops are a serious threat to a household's economy. Poor landless agricultural wage laborers suffer the most owing to this seasonality as they face difficulties in smoothing their consumption. However, in designing microcredit products, MFIs do not usually provide flexibility or seasonal adjustment during the lean season. This is mainly because MFIs are afraid that such flexibility might break the repayment discipline of borrowers, resulting in higher default rates. We thus conducted a randomized controlled trial in 2011-12 in northern Bangladesh to empirically test whether seasonality-adjusted flexible microcredit leads to an increase in repayment problems for MFIs as well as whether it can increase and stabilize consumption of borrower households. Our results suggest no statistically discernible difference among the treatment arms in case of default, overdue amount, or repayment frequency. On the other hand, we find no positive impact of repayment flexibility on immediate food consumption during the period of seasonality, except for in-kind full moratorium treatment group. After a year of initial intervention, however, we see positive changes in food intake during the lean season. Thus, our preliminary results are in favor of seasonality-adjusted flexible microcredit. | |||||
| 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 460, 発行日 2014-03-01 |
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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 | 338.67 | |||||
| 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: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 | Rural credit | |||||
| キーワード(LSH) | ||||||
| 主題Scheme | Other | |||||
| 主題 | Consumption | |||||
| 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 | Default | |||||
| キーワード(LSH) | ||||||
| 主題Scheme | Other | |||||
| 主題 | Seasonality | |||||
| キーワード(LSH) | ||||||
| 主題Scheme | Other | |||||
| 主題 | Consumption Smoothing | |||||
| 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 | IDP000460_001 | |||||
