IDEAS home Printed from https://ideas.repec.org/a/ags/ersfer/354209.html
   My bibliography  Save this article

Évolution du système financier rural à Java -Indonésie-

Author

Listed:
  • Dury, Sandrine
  • Lapenu, Cécile

Abstract

The authors describe the diversity and role of both informal and formal rural financial systems through the analysis of different case studies. They demonstrate that it is not justified to contrast the informal sector with the formal sector on the basis of interest rate levels: for comparable levels of services (by the lender) and guarantee (from the borrower), interest rates charged by both systems are equivalent. Until 1983, the formal financial sector was tightly controlled by interventionist public policies. Since 1983, the process of deregulation has led to a large increase in the number of banks and to sensible improvements in saving mobilisation. However, the amount and number of loans to the rural sector have decreased and are falling below the level of rural savings. Informal agents are thus playing a decisive role in credit and insurance systems, especially towards the poor. The institutional issue is now to create and develop suitable credit services to match the characteristics of rural demand, which does not meet the minimum requirements to enter the formal financial market.

Suggested Citation

  • Dury, Sandrine & Lapenu, Cécile, 1995. "Évolution du système financier rural à Java -Indonésie-," Économie rurale, French Society of Rural Economics (SFER Société Française d'Economie Rurale), vol. 227.
    • Handle: RePEc:ags:ersfer:354209
    DOI: 10.22004/ag.econ.354209
    as

    Download full text from publisher

    File URL: https://ageconsearch.umn.edu/record/354209/files/ecoru_0013-0559_1995_num_227_1_4732.pdf
    Download Restriction: no
    File URL: https://libkey.io/10.22004/ag.econ.354209?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    More about this item

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:ags:ersfer:354209. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: AgEcon Search (email available below). General contact details of provider: https://edirc.repec.org/data/sferrea.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.