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Rapid Credit Deepening and A Few Concerns: A Study of a Branch of Grameen Bank

Author

Listed:
  • Matin , Imran

    (Poverty Specialist at the Consultative Group to Assist the Poorest (CGAP))

Abstract

Since 1992, Grameen Bank introduced additional lines of credit for their borrowers, along with the usual general loan. The most widespread of this additional credit line is the seasonal loan. These loans have identical contractual terms as the general loans and could be held by borrowers simultaneously. The pace of increase of this line of credit has been phenomenal leading to a process referred to in this paper as 'rapid credit deepening1. What has been the affect of such a process of rapid credit deepening? This paper examines two topical concerns and the ways these have been affected by the process of rapid credit deepening through an empirical study of four Grameen villages served by the Madhupur branch of the bank. These are targeting effectiveness and repayment performance. I argue with evidence that the affect of this process have been (a) an increase in the inclusion error and (b) an increase in repayment irregulari

Suggested Citation

  • Matin , Imran, 2000. "Rapid Credit Deepening and A Few Concerns: A Study of a Branch of Grameen Bank," Bangladesh Development Studies, Bangladesh Institute of Development Studies (BIDS), vol. 26(2-3), pages 147-172, June-Sept.
    • Handle: RePEc:ris:badest:0399
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    Citations

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    Cited by:

    1. Richard L. Meyer, 2002. "The demand for flexible microfinance products: lessons from Bangladesh," Journal of International Development, John Wiley & Sons, Ltd., vol. 14(3), pages 351-368.
    2. Jain, Sanjay & Mansuri, Ghazala, 2003. "A little at a time: the use of regularly scheduled repayments in microfinance programs," Journal of Development Economics, Elsevier, vol. 72(1), pages 253-279, October.
    3. Nayma Qayum & Mrinmoy Samadder & Rehnuma Rahman, 2012. "Group Norms and the BRAC Village Organization – Enhancing Social Capital Baseline," Working Papers id:4984, eSocialSciences.

    More about this item

    Keywords

    Land ownership; Loan defaults; Debt repayment; Bank loans; Bank credit; Development studies; Disbursements;
    All these keywords.

    JEL classification:

    • A12 - General Economics and Teaching - - General Economics - - - Relation of Economics to Other Disciplines

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