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Discrimination by Microcredit Officers: Theory and Evidence on Disability in Uganda

Marc Labie (), Pierre-Guillaume Méon, Roy Mersland and Ariane Szafarz

No 10-007.RS, Working Papers CEB from ULB -- Universite Libre de Bruxelles

Abstract: This paper studies the relationship between a microfinance institution and its credit officers when the latter are biased against a subgroup of the clientele. Using survey data from Uganda, we provide evidence that credit officers are more biased against disabled borrowers than other employees. In line with the evidence, we then build an agency model of a non-profit MFI and a discriminatory credit officer. Since incentives are costly, and the MFI’s budget is limited, even a non discriminating welfare-maximizing MFI may prefer paying smaller incentives, and letting its credit officer discriminate to some extent.

Keywords: Microfinance; Discrimination; Credit Officers; Incentives. (search for similar items in EconPapers)
JEL-codes: G21 J33 O16 (search for similar items in EconPapers)
Pages: 29 p.
Date: 2010
New Economics Papers: this item is included in nep-ban, nep-cta, nep-dev and nep-mfd
References: View references in EconPapers View complete reference list from CitEc
Citations: View citations in EconPapers (11)

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Related works:
Journal Article: Discrimination by microcredit officers: Theory and evidence on disability in Uganda (2015) Downloads
Working Paper: Discrimination by Microcredit Officers: Theory and Evidence on Disability in Uganda (2015)
Working Paper: Discrimination by Microcredit Officers:Theory and Evidence on Disability in Uganda (2011) Downloads
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