Évolution du système financier rural à Java -Indonésie-

Sandrine Dury and Cécile Lapenu

Économie rurale, 1995, vol. 227

Abstract: The authors describe the diversity and role of both informal and formal rural financial systems through the analysis of different case studies. They demonstrate that it is not justified to contrast the informal sector with the formal sector on the basis of interest rate levels: for comparable levels of services (by the lender) and guarantee (from the borrower), interest rates charged by both systems are equivalent. Until 1983, the formal financial sector was tightly controlled by interventionist public policies. Since 1983, the process of deregulation has led to a large increase in the number of banks and to sensible improvements in saving mobilisation. However, the amount and number of loans to the rural sector have decreased and are falling below the level of rural savings. Informal agents are thus playing a decisive role in credit and insurance systems, especially towards the poor. The institutional issue is now to create and develop suitable credit services to match the characteristics of rural demand, which does not meet the minimum requirements to enter the formal financial market.

Date: 1995
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Persistent link: https://EconPapers.repec.org/RePEc:ags:ersfer:354209

DOI: 10.22004/ag.econ.354209

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