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Credit for What? Informal Credit as a Coping Strategy of Market Women in Northern Ghana

Kati Schindler
Authors registered in the RePEc Author Service: Kati Kraehnert

Journal of Development Studies, 2010, vol. 46, issue 2, 234-253

Abstract: This paper explores the use of informal credit as a strategy for managing risks by market women in northern Ghana. A broad concept of the costs of risk management strategies is introduced and encompasses both a time and monetary dimension. Based on qualitative data, the analysis reveals that market women invest a considerable amount of time in maintaining complex networks of informal credit providers to ensure their access to credit once a shock occurs. Informal credit involves high transaction costs and prevents market women from growing out of poverty in the long term.

Date: 2010
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Working Paper: Credit for What?: Informal Credit as a Coping Strategy of Market Women in Northern Ghana (2007) Downloads
Working Paper: Credit for what? Informal credit as a coping strategy of market women in northern Ghana (2006) Downloads
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DOI: 10.1080/00220380903002905

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