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Microfinance and credit rationing: does the microfinance type matter?

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  • Luis Diaz-Serrano
  • Frank G. Sackey

Abstract

This study sets out to examine the extent to which access to credit and credit rationing are influenced by the microfinance type based on the major factors determining micro, small and medium enterprises’ access to credit from microfinance institutions in the era of financial liberalization. The data for the study were gleaned from the microfinance companies’ credit and loan records consisting of the various pieces of information provided by the borrowers in the application process. Our results are puzzling and show that credit rationing is not influenced by the microfinance types but by the individual microfinance companies. Our results also show that the Government microfinance company is the least severe in the rationing behavior.

Suggested Citation

  • Luis Diaz-Serrano & Frank G. Sackey, 2018. "Microfinance and credit rationing: does the microfinance type matter?," Journal of Sustainable Finance & Investment, Taylor & Francis Journals, vol. 8(2), pages 114-131, April.
    • Handle: RePEc:taf:jsustf:v:8:y:2018:i:2:p:114-131
    DOI: 10.1080/20430795.2017.1403181
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    Cited by:

    1. Askar Choudhury & James Jones & Michael Opare-Addo, 2022. "Perceived Risk and Willingness to Provide Loan to Smallholder Farmers in Ghana," Journal of African Business, Taylor & Francis Journals, vol. 23(1), pages 23-40, January.
    2. Francis Lwesya & Adam Beni Swebe Mwakalobo, 2023. "Frontiers in microfinance research for small and medium enterprises (SMEs) and microfinance institutions (MFIs): a bibliometric analysis," Future Business Journal, Springer, vol. 9(1), pages 1-18, December.
    3. Eric Fosu Oteng-Abayie & Kofi Amanor & Anthony Kofi Osei-Fosu, 2023. "Spatial analysis of the effect of microfinance on poverty and inequality in Ghana," Journal of Social and Economic Development, Springer;Institute for Social and Economic Change, vol. 25(1), pages 196-231, June.
    4. Betgilu Oshora & Maria Fekete-Farkas & Zoltan Zeman, 2020. "Role Of Microfinance Institutions In Financing Micro And Small Enterprises In Ethiopia," Copernican Journal of Finance & Accounting, Uniwersytet Mikolaja Kopernika, vol. 9(3), pages 115-130.

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