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Some preliminary but troubling evidence on group credits in microfinance programmes

Author

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  • Helke Waelde

    (Department of Economics, Johannes Gutenberg-Universitaet Mainz, Germany)

Abstract

Group lending programs are said to be the key factor of success of microÂ…nance. They are said to reduce information asymmetries in credit contracts and to increase repayment rates. Despite that, in recent years more and more individual credits without collateral are given, even if there is no mutual monitoring of the borrowers. We use basic descriptive statistics on individual- and group panel data, which we construct out of a World Bank data set. We provide Â…rst evidence that individuals that are not participating in group credits accumulate wealth more quickly than participants of group credit programs.

Suggested Citation

  • Helke Waelde, 2010. "Some preliminary but troubling evidence on group credits in microfinance programmes," Working Papers 1101, Gutenberg School of Management and Economics, Johannes Gutenberg-Universität Mainz, revised 07 Dec 2010.
    • Handle: RePEc:jgu:wpaper:1101
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    File URL: https://download.uni-mainz.de/RePEc/pdf/Discussion_Paper_1101.pdf
    File Function: First version, 2010
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    More about this item

    JEL classification:

    • E43 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Interest Rates: Determination, Term Structure, and Effects
    • E52 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Monetary Policy
    • E58 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Central Banks and Their Policies
    • D44 - Microeconomics - - Market Structure, Pricing, and Design - - - Auctions

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