Integrative Report on the Informal Credit Markets in the Philippines

Mario Lamberte (marlamberte3352@yahoo.com), Mahar Mangahas, Meliza H. Agabin and Maria Alcestis Abrera-Mangahas

No WP 1989-10, Working Papers from Philippine Institute for Development Studies

Abstract: Utilizing data from Bangladesh, India, Indonesia, the Philippines and Thailand, this study conducts a comparative study of informal markets (ICM). It hopes to cover the major structure of ICMs, the size and its trends and the policy/legal environment. It also discusses the role of ICMs in savings generation, credit consumption, allocation efficiency and equity. How the interest rate is formed in ICM, together with the competition between the formal and informal sectors, the possible role of ICMs and the interlinkage of credit with other markets are analyzed. An optimal legal and policy environment towards the informal sector is offered.

Keywords: agriculture sector; credit policy; credit program; credit market; credit access (search for similar items in EconPapers)
Pages: 92
Date: 1989
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