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Does Contingent Repayment in Microfinance Help the Poor During Natural Disasters?

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  • Masahiro Shoji

Abstract

Microfinances in Bangladesh introduced a contingent repayment system beginning in 2002, which allowed rescheduling of savings and installments during natural disasters for affected members. This paper is one of the first attempts to evaluate the system employing a unique dataset. In using evidence from a flood in 2004, the author found that rescheduling plays the role of a safety net by decreasing the probability that people skip meals during negative shocks by 5.1 per cent. This effect is even higher on the landless and females. This study attempts to contribute to the issue regarding the poverty reduction effect of microfinances.

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  • Masahiro Shoji, 2010. "Does Contingent Repayment in Microfinance Help the Poor During Natural Disasters?," Journal of Development Studies, Taylor & Francis Journals, vol. 46(2), pages 191-210.
    • Handle: RePEc:taf:jdevst:v:46:y:2010:i:2:p:191-210
    DOI: 10.1080/00220380902952381
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    1. Joanna Ledgerwood, 1998. "Microfinance Handbook: An Institutional and Financial Perspective," World Bank Publications - Books, The World Bank Group, number 12383.
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