Do Migrants' Deposits Reduce Microfinance Institutions Liquidity Risk?

Ritha Sukadi Mata

African Development Review, 2014, vol. 26, issue 3, 520-531

Abstract: type="main" xml:lang="en">

This paper is devoted to the analysis of liquidity risk in microfinance. Using both the Cox proportional hazard model and a re-sampling method on an original database of 7,828 deposit contracts issued between 2002 and 2008 by 12 village banks belonging to the Malian rural microfinance network (PASECA-Kayes), we found that the risk for a contract to default increases both with the amount deposited and the term of the contract which are, on average, higher for migrants compared to locals. We also found that deposits at risk are higher when considering migrants' time deposit compared to locals' time deposits.

Date: 2014
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Working Paper: Do migrants’ deposits reduce microfinance institutions’ liquidity risk? (2011)
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