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Who borrows among the poor? MC use determinants in Guatemala, with particular reference to social ties

Masako Hasegawa
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Masako Hasegawa: Osaka School of International Public Policy (OSIPP),Osaka University

No 09E002, OSIPP Discussion Paper from Osaka School of International Public Policy, Osaka University

Abstract: Who borrows Micro Credit (MC) is the information needed to improve not only MC programs but also policies of poverty alleviation. This paper analyzes the MC use determinants taking social ties into account using data in Guatemalan Living Standard Measurement Study. It shows that the determinants are relatively different between the poor and the non-poor. It also shows that social ties could raise the possibility of MC utilization especially among the poor, which would verify the function of social ties as collateral of creditworthiness. Those excluded from MC may not be the poorest but the socially weakest.

Keywords: Micro Credit (MC); social ties; information asymmetry; creditworthiness; Guatemala (search for similar items in EconPapers)
JEL-codes: C25 D14 Q14 (search for similar items in EconPapers)
Pages: 26 pages
Date: 2009-01
New Economics Papers: this item is included in nep-dev, nep-mfd and nep-soc
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Persistent link: https://EconPapers.repec.org/RePEc:osp:wpaper:09e002

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