Seasonality and Microcredit
The Case of Northern Bangladesh
(Sprache: Englisch)
The mismatch between credit repayments and income seasonality can create serious distortions. However, typically Micro-Finance Institutes (MFIs) do not provide any adjustments due to the income seasonality. For instance in Northern Bangladesh, Income and...
Voraussichtlich lieferbar in 3 Tag(en)
versandkostenfrei
Buch (Kartoniert)
53.49 €
Produktdetails
Produktinformationen zu „Seasonality and Microcredit “
Klappentext zu „Seasonality and Microcredit “
The mismatch between credit repayments and income seasonality can create serious distortions. However, typically Micro-Finance Institutes (MFIs) do not provide any adjustments due to the income seasonality. For instance in Northern Bangladesh, Income and consumption downfalls during the time of post-Aman rice plantation seasons are quite regular phenomenon which is locally known as "Monga". Poor landless agricultural wage laborers suffer the most due to this seasonality and usually they face difficulty to smooth their consumptions. As a result, it is extremely difficult to arrange the regular weekly loan repayments of the micro-credit, which they have taken during the productive part of the year. Using field experiments through RCTs in Northern Bangladesh, we randomly assigned seasonality adjusted flexible micro-credits and traditional rigid micro-credit to different borrowing groups. Examining the repayment behavior of the borrowers in the context of geographical classifications and loan designs; employing both survey and experimental methods, this study allows us to see the consequences of flexible loan repayment rules during the lean periods, and how they affect both MFIs and participating borrowers. The findings of this study have important policy implications for MFIs and policy-makers of the developing countries.Inhaltsverzeichnis zu „Seasonality and Microcredit “
Chapter 1 Introduction.- Chapter 2 Overview and current practice of Micro-finance across the world.- Chapter 3 Seasonality affecting Micro-credit in Bangladesh.- Chapter 4 Socio-economic scenarios of the sampled areas with sample data.- Chapter 5 Details of the experiment design.- Chapter 6 Impact of micro-credit on migration and food consumption.- Chapter 7 Repayment behaviour of borrowers.- Chapter 8 Conclusion.
Autoren-Porträt
Editor Dr. Abu S. Shonchoy is working as a research fellow at the Institute of Developing Economies (IDE) JETRO, Japan, and as an adjunct assistant professor at the Graduate School of Public Policy (GraSPP) at The University of Tokyo. He also holds a visiting fellowship position at the South Asian Network of Economic Modeling (SANEM). Prior to joining IDE-JETRO, he worked for BRAC University in Bangladesh and in ANU, UNSW, and UTS in Australia as a lecturer. He also worked for the International Monetary Fund (IMF), in Washington DC, USA, during the period of 2007-2008. Dr. Shonchoy is a development economist with interests in impact evaluation and microeconometrics. He has several ongoing field research projects in Bangladesh and in India. His current research interests include projects on microfinance, migration, electrification, and education. Dr. Shonchoy graduated from the University of Dhaka, Bangladesh, with a B.Sc. (Honors) in economics, a master's degree in economic policy from the Australian National University (ANU), and a Ph.D. in economics from the University of New South Wales (UNSW), Australia.
Bibliographische Angaben
- 2014, 2014, XVII, 107 Seiten, 16 farbige Abbildungen, Maße: 15,5 x 23,5 cm, Kartoniert (TB), Englisch
- Herausgegeben: Abu S. Shonchoy
- Verlag: Springer, Berlin
- ISBN-10: 4431550097
- ISBN-13: 9784431550099
- Erscheinungsdatum: 24.06.2014
Sprache:
Englisch
Kommentar zu "Seasonality and Microcredit"
0 Gebrauchte Artikel zu „Seasonality and Microcredit“
Zustand | Preis | Porto | Zahlung | Verkäufer | Rating |
---|
Schreiben Sie einen Kommentar zu "Seasonality and Microcredit".
Kommentar verfassen