Repayment performance in group-based credit programs in Bangladesh: an empirical analysis
This paper analyzes the repayment rates of credit groups belonging to three group-based credit programs in Bangladesh: the Association for Social Advancement (ASA), the Bangladesh Rural Advancement Committee (BRAC), and the Rangpur Dinajpur Rural Service (RDRS). Hypotheses are drawn from economic th...
| Autores principales: | , |
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| Formato: | Artículo preliminar |
| Lenguaje: | Inglés |
| Publicado: |
International Food Policy Research Institute
1996
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| Materias: | |
| Acceso en línea: | https://hdl.handle.net/10568/157105 |
| _version_ | 1855536711863369728 |
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| author | Sharma, Manohar Zeller, Manfred |
| author_browse | Sharma, Manohar Zeller, Manfred |
| author_facet | Sharma, Manohar Zeller, Manfred |
| author_sort | Sharma, Manohar |
| collection | Repository of Agricultural Research Outputs (CGSpace) |
| description | This paper analyzes the repayment rates of credit groups belonging to three group-based credit programs in Bangladesh: the Association for Social Advancement (ASA), the Bangladesh Rural Advancement Committee (BRAC), and the Rangpur Dinajpur Rural Service (RDRS). Hypotheses are drawn from economic theory relating group responsibility, and the resulting monitoring by peers, to a more effective enforcement of contractual obligations as well as to improved ability of the group as a whole to repay loans. Specific tests are performed on the following hypothesized determinants: group size, size of loans, degree of loan rationing, enterprise mix within groups, demographic characteristics, social ties and status, and occurrence of idiosyncratic shocks. Analysis is conducted using TOBIT maximum likelihood procedures. Implications for policy and institutional design are discussed." |
| format | Artículo preliminar |
| id | CGSpace157105 |
| institution | CGIAR Consortium |
| language | Inglés |
| publishDate | 1996 |
| publishDateRange | 1996 |
| publishDateSort | 1996 |
| publisher | International Food Policy Research Institute |
| publisherStr | International Food Policy Research Institute |
| record_format | dspace |
| spelling | CGSpace1571052025-11-06T07:18:54Z Repayment performance in group-based credit programs in Bangladesh: an empirical analysis Sharma, Manohar Zeller, Manfred credit research methodology This paper analyzes the repayment rates of credit groups belonging to three group-based credit programs in Bangladesh: the Association for Social Advancement (ASA), the Bangladesh Rural Advancement Committee (BRAC), and the Rangpur Dinajpur Rural Service (RDRS). Hypotheses are drawn from economic theory relating group responsibility, and the resulting monitoring by peers, to a more effective enforcement of contractual obligations as well as to improved ability of the group as a whole to repay loans. Specific tests are performed on the following hypothesized determinants: group size, size of loans, degree of loan rationing, enterprise mix within groups, demographic characteristics, social ties and status, and occurrence of idiosyncratic shocks. Analysis is conducted using TOBIT maximum likelihood procedures. Implications for policy and institutional design are discussed." 1996 2024-10-24T12:47:22Z 2024-10-24T12:47:22Z Working Paper https://hdl.handle.net/10568/157105 en Open Access application/pdf International Food Policy Research Institute Sharma, Manohar; Zeller, Manfred. 1996. Repayment performance in group-based credit programs in Bangladesh: an empirical analysis. FCND Discussion Paper 15. Washington, DC: International Food Policy Research Institute. https://hdl.handle.net/10568/157105 |
| spellingShingle | credit research methodology Sharma, Manohar Zeller, Manfred Repayment performance in group-based credit programs in Bangladesh: an empirical analysis |
| title | Repayment performance in group-based credit programs in Bangladesh: an empirical analysis |
| title_full | Repayment performance in group-based credit programs in Bangladesh: an empirical analysis |
| title_fullStr | Repayment performance in group-based credit programs in Bangladesh: an empirical analysis |
| title_full_unstemmed | Repayment performance in group-based credit programs in Bangladesh: an empirical analysis |
| title_short | Repayment performance in group-based credit programs in Bangladesh: an empirical analysis |
| title_sort | repayment performance in group based credit programs in bangladesh an empirical analysis |
| topic | credit research methodology |
| url | https://hdl.handle.net/10568/157105 |
| work_keys_str_mv | AT sharmamanohar repaymentperformanceingroupbasedcreditprogramsinbangladeshanempiricalanalysis AT zellermanfred repaymentperformanceingroupbasedcreditprogramsinbangladeshanempiricalanalysis |