Household, Group, and Program Factors in Group-Based Agricultural Credit Delinquency

被引:1
|
作者
Hauge, Soren [1 ,2 ]
机构
[1] Ripon Coll, 300 Seward St, Ripon, WI 54971 USA
[2] Ripon Coll, Dept Econ, Ripon, WI 54971 USA
基金
美国安德鲁·梅隆基金会;
关键词
microfinance; econometrics; risk; credit delinquency; Chile;
D O I
10.1163/156914910X499787
中图分类号
F0 [经济学]; F1 [世界各国经济概况、经济史、经济地理]; C [社会科学总论];
学科分类号
0201 ; 020105 ; 03 ; 0303 ;
摘要
Survey data collected from agricultural credit groups and households in Chile are used to evaluate four aspects of group control over delinquency: group incentives; group actions; group composition; and their relationship to household characteristics, especially those concerning risk. Previous studies' estimates of their effects on delinquency are ambiguous. Evidence here shows that group cohesion develops over time and reduces delinquency, while group size and heterogeneity have no effect. Group mean investment returns and access to risk-reducing irrigation are more significant predictors of low delinquency than household deviation from group mean returns, highlighting the importance of risk management by households and groups.
引用
收藏
页码:473 / 499
页数:27
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