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Microfinance and credit rationing in Ghana: Does the microfinance type matter?

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  • Díaz Serrano, Lluís
  • Sackey, Frank G.

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 institutions’ 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 institutions. Keywords: Microfinance, Ghana, Credit Rationing. JEL codes: G21

Suggested Citation

  • Díaz Serrano, Lluís & Sackey, Frank G., 2015. "Microfinance and credit rationing in Ghana: Does the microfinance type matter?," Working Papers 2072/247802, Universitat Rovira i Virgili, Department of Economics.
    • Handle: RePEc:urv:wpaper:2072/247802
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    More about this item

    Keywords

    Microfinances; Crèdit; Ghana; 336 - Finances. Banca. Moneda. Borsa;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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