| 来源类型 | Discussion paper |
| 规范类型 | 论文 |
| 来源ID | DP12715 |
| DP12715 Banker My Neighbour: Matching and Financial Intermediation in Savings Groups | |
| Marcel Fafchamps; Rachel Cassidy | |
| 发表日期 | 2018-02-12 |
| 出版年 | 2018 |
| 语种 | 英语 |
| 摘要 | Efforts to promote financial inclusion have largely focused on microcredit and microsaving separately, and less so on promoting financial intermediation across poor borrowers and savers. Village Savings and Loan Associations (VSLAs) and other Self-Help Groups have features of both a borrowing and a commitment savings technology, potentially enabling savers and borrowers to meet each other's needs. Intermediation may however be impeded by limited liability and imperfect information. To investigate this, we use a large-scale survey of mature VSLA groups in rural Malawi to analyse how members sort across groups. We find that present-biased members tend to group with time-consistent members, suggesting that the former may be gaining a commitment savings technology by lending to the latter. In contrast, members of the same occupation sort into groups together, suggesting unrealised intermediation possibilities between farming and non-farming households. This has implications for the design of such groups. |
| 主题 | Development Economics |
| 关键词 | Microfinance Commitment savings Savings groups Financial inclusion |
| URL | https://cepr.org/publications/dp12715 |
| 来源智库 | Centre for Economic Policy Research (United Kingdom) |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/541527 |
| 推荐引用方式 GB/T 7714 | Marcel Fafchamps,Rachel Cassidy. DP12715 Banker My Neighbour: Matching and Financial Intermediation in Savings Groups. 2018. |
| 条目包含的文件 | 条目无相关文件。 | |||||
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