{"created":"2023-07-27T12:33:59.951917+00:00","id":37715,"links":{},"metadata":{"_buckets":{"deposit":"d8fdd15b-62d4-4fa7-87ca-2f7e8a119303"},"_deposit":{"created_by":19,"id":"37715","owners":[19],"pid":{"revision_id":0,"type":"depid","value":"37715"},"status":"published"},"_oai":{"id":"oai:ir.ide.go.jp:00037715","sets":["3552:4093:4097"]},"author_link":["44478","44477"],"item_14_biblio_info_6":{"attribute_name":"収録情報","attribute_value_mlt":[{"bibliographicIssueDates":{"bibliographicIssueDate":"2014-03-01","bibliographicIssueDateType":"Issued"},"bibliographicVolumeNumber":"460","bibliographic_titles":[{"bibliographic_title":"IDE Discussion Paper"},{"bibliographic_title":"IDE Discussion Paper","bibliographic_titleLang":"en"}]}]},"item_14_description_21":{"attribute_name":"フォーマット","attribute_value_mlt":[{"subitem_description":"application/pdf","subitem_description_type":"Other"}]},"item_14_description_23":{"attribute_name":"DIG_NO","attribute_value_mlt":[{"subitem_description":"IDP000460_001","subitem_description_type":"Other"}]},"item_14_description_3":{"attribute_name":"抄録","attribute_value_mlt":[{"subitem_description":"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.","subitem_description_type":"Abstract"}]},"item_14_geolocation_18":{"attribute_name":"地域/国名","attribute_value_mlt":[{"subitem_geolocation_place":[{"subitem_geolocation_place_text":"バングラデシュ"}]}]},"item_14_identifier_registration":{"attribute_name":"ID登録","attribute_value_mlt":[{"subitem_identifier_reg_text":"10.20561/00037710","subitem_identifier_reg_type":"JaLC"}]},"item_14_publisher_7":{"attribute_name":"出版者","attribute_value_mlt":[{"subitem_publisher":"Institute of Developing Economies　(IDE-JETRO)　"}]},"item_14_rights_5":{"attribute_name":"権利","attribute_value_mlt":[{"subitem_rights":"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"}]},"item_14_subject_16":{"attribute_name":"日本十進分類法","attribute_value_mlt":[{"subitem_subject":"338.67","subitem_subject_scheme":"NDC"}]},"item_14_subject_17":{"attribute_name":"JEL分類","attribute_value_mlt":[{"subitem_subject":"JEL:D12 - Consumer Economics: Empirical Analysis","subitem_subject_scheme":"Other"},{"subitem_subject":"JEL:G21 - Banks; Other Depository Institutions; Mortgages","subitem_subject_scheme":"Other"},{"subitem_subject":"JEL:O16 - Financial Markets; Saving and Capital Investment","subitem_subject_scheme":"Other"}]},"item_14_subject_19":{"attribute_name":"主題(図書館用)","attribute_value_mlt":[{"subitem_subject":"Bangladesh","subitem_subject_scheme":"Other"},{"subitem_subject":"Microfinance","subitem_subject_scheme":"Other"},{"subitem_subject":"Rural credit","subitem_subject_scheme":"Other"},{"subitem_subject":"Consumption","subitem_subject_scheme":"Other"},{"subitem_subject":"Microcredit","subitem_subject_scheme":"Other"},{"subitem_subject":"Default","subitem_subject_scheme":"Other"},{"subitem_subject":"Seasonality","subitem_subject_scheme":"Other"},{"subitem_subject":"Consumption Smoothing","subitem_subject_scheme":"Other"}]},"item_14_text_32":{"attribute_name":"著者別名","attribute_value_mlt":[{"subitem_text_value":"黒崎, 卓"}]},"item_14_version_type_15":{"attribute_name":"著者版フラグ","attribute_value_mlt":[{"subitem_version_resource":"http://purl.org/coar/version/c_970fb48d4fbd8a85","subitem_version_type":"VoR"}]},"item_creator":{"attribute_name":"著者","attribute_type":"creator","attribute_value_mlt":[{"creatorNames":[{"creatorName":"Shonchoy, Abu S."}],"nameIdentifiers":[{"nameIdentifier":"44477","nameIdentifierScheme":"WEKO"}]},{"creatorNames":[{"creatorName":"Kurosaki, Takashi"}],"nameIdentifiers":[{"nameIdentifier":"44478","nameIdentifierScheme":"WEKO"}]}]},"item_files":{"attribute_name":"ファイル情報","attribute_type":"file","attribute_value_mlt":[{"accessrole":"open_date","date":[{"dateType":"Available","dateValue":"2017-04-10"}],"displaytype":"detail","filename":"IDP000460_001.pdf","filesize":[{"value":"455.7 kB"}],"format":"application/pdf","licensetype":"license_note","mimetype":"application/pdf","url":{"label":"本文","url":"https://ir.ide.go.jp/record/37715/files/IDP000460_001.pdf"},"version_id":"839ad2bd-ce9c-4102-a5aa-dfd0ae2fe94c"}]},"item_language":{"attribute_name":"言語","attribute_value_mlt":[{"subitem_language":"eng"}]},"item_resource_type":{"attribute_name":"資源タイプ","attribute_value_mlt":[{"resourcetype":"technical report","resourceuri":"http://purl.org/coar/resource_type/c_18gh"}]},"item_title":"Impact of seasonality-adjusted flexible microcredit on repayment and food consumption : experimental evidence from rural Bangladesh","item_titles":{"attribute_name":"タイトル","attribute_value_mlt":[{"subitem_title":"Impact of seasonality-adjusted flexible microcredit on repayment and food consumption : experimental evidence from rural Bangladesh"}]},"item_type_id":"14","owner":"19","path":["4097"],"pubdate":{"attribute_name":"公開日","attribute_value":"2014-04-09"},"publish_date":"2014-04-09","publish_status":"0","recid":"37715","relation_version_is_last":true,"title":["Impact of seasonality-adjusted flexible microcredit on repayment and food consumption : experimental evidence from rural Bangladesh"],"weko_creator_id":"19","weko_shared_id":-1},"updated":"2023-07-27T15:50:16.232182+00:00"}