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Credit Unions as Channels of Micro-Credit Lines: The Philippine Case

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  • Lamberte, Mario B.

Abstract

A subset of the informal financial institutions that has been recently used as lending conduits of special credit programs is the credit union system. However, they often face some resource constraints which prevent them from satisfying the credit demands of their members on time. Access to external sources of funds, such as those of special credit programs, could relax such constraint. This study examines the effects of two special credit programs of the government on the performance of credit unions. Specifically, it answers the question: to what extent did they affect the performance of the credit unions in terms of savings mobilization, credit allocation and profitability?

Suggested Citation

  • Lamberte, Mario B., 1998. "Credit Unions as Channels of Micro-Credit Lines: The Philippine Case," Research Paper Series RPS 1998-01, Philippine Institute for Development Studies.
    • Handle: RePEc:phd:rpseri:rps_1998-01
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    File URL: https://www.pids.gov.ph/publication/research-paper-series/credit-unions-as-channels-of-micro-credit-lines-the-philippine-case
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    References listed on IDEAS

    as
    1. Lamberte, Mario B. & Balbosa, Joven Zamoras, 1988. "Informal Savings and Credit Institutions in the Urban Areas: The Case of Cooperative Credit Unions," Working Papers WP 1988-06, Philippine Institute for Development Studies.
    2. Lamberte, Mario B. & Mangahas, Mahar & Agabin, Meliza H. & Abrera-Mangahas, Maria Alcestis, 1989. "Integrative Report on the Informal Credit Markets in the Philippines," Working Papers WP 1989-10, Philippine Institute for Development Studies.
    3. Lamberte, Mario B. & Graham, Douglas H. & Relampagos, Julius P., 1990. "Credit Unions: An Underrated Mode of Mobilizing and Allocating Resources in Rural Areas," Working Papers WP 1990-21, Philippine Institute for Development Studies.
    4. Lamberte, Mario B. & Graham, Douglas H. & Relampagos, Julius P., 1990. "A Study of the Operations and Performance of Selected Cooperative Credit Unions," Working Papers WP 1990-23, Philippine Institute for Development Studies.
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    Cited by:

    1. Lamberte, Mario B. & Manlagnit, Ma. Chelo V., 2003. "Integrating Gender Perspectives in Evaluating the Efficiency of COFI: The Case of Credit Cooperatives in the Philippines," Discussion Papers DP 2003-06, Philippine Institute for Development Studies.

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    Keywords

    microfinance; financial market;

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