| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w24272 |
| 来源ID | Working Paper 24272 |
| Debt Traps? Market Vendors and Moneylender Debt in India and the Philippines | |
| Dean Karlan; Sendhil Mullainathan; Benjamin N. Roth | |
| 发表日期 | 2018-02-05 |
| 出版年 | 2018 |
| 语种 | 英语 |
| 摘要 | A debt trap occurs when someone takes on a high-interest rate loan and is barely able to pay back the interest, and thus perpetually finds themselves in debt (often by re-financing). Studying such practices is important for understanding financial decision-making of households in dire circumstances, and also for setting appropriate consumer protection policies. We conduct a simple experiment in three sites in which we paid off high-interest moneylender debt of individuals. Most borrowers returned to debt within six weeks. One to two years .after intervention, treatment individuals were borrowing at the same rate as control households. |
| 主题 | Microeconomics ; Households and Firms ; Behavioral Economics ; Development and Growth ; Development |
| URL | https://www.nber.org/papers/w24272 |
| 来源智库 | National Bureau of Economic Research (United States) |
| 引用统计 | |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/581946 |
| 推荐引用方式 GB/T 7714 | Dean Karlan,Sendhil Mullainathan,Benjamin N. Roth. Debt Traps? Market Vendors and Moneylender Debt in India and the Philippines. 2018. |
| 条目包含的文件 | ||||||
| 文件名称/大小 | 资源类型 | 版本类型 | 开放类型 | 使用许可 | ||
| w24272.pdf（1496KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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