Adding value to randomization with qualitative analysis: the case of microcredit in rural Morocco

Solène Morvant-Roux, Isabelle Guérin, Marc Roesch and Jean-Yves Moisseron
Additional contact information
Solène Morvant-Roux: UNIFR - Université de Fribourg = University of Fribourg
Marc Roesch: Cirad - Centre de Coopération Internationale en Recherche Agronomique pour le Développement
Jean-Yves Moisseron: CESSMA UMRD 245 - Centre d'études en sciences sociales sur les mondes africains, américains et asiatiques - IRD - Institut de Recherche pour le Développement - Inalco - Institut National des Langues et Civilisations Orientales - UPD7 - Université Paris Diderot - Paris 7

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Abstract: This paper analyzes microcredit demand and use to draw lessons on how households appropriate microcredit services. It introduces qualitative analysis to a randomized study. Findings suggest that microcredit demand and use is shaped not only by agro-ecological conditions, but by two major partially interrelated factors: debt-related norms articulated with the perception of the sanction in case of repayment default, and the "social life" of microcredit, namely, how social actors, credit officers, and local leaders, engage with microcredit. On a conceptual perspective we argue that microcredit "markets" do not result from supply confronting demand, but instead, are historical, political, and social constructs.

Keywords: MAROC; microcredit; societe rurale; methodologie (search for similar items in EconPapers)
Date: 2014
Note: View the original document on HAL open archive server: https://ird.hal.science/ird-01471911v1
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Citations: View citations in EconPapers (21)

Published in World Development, 2014, 56, pp.302-312. ⟨10.1016/j.worlddev.2013.03.00⟩

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Journal Article: Adding Value to Randomization with Qualitative Analysis: The Case of Microcredit in Rural Morocco (2014)
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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:ird-01471911

DOI: 10.1016/j.worlddev.2013.03.00

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