Are Microcredit Borrowers in Bangladesh over-Indebted?:
Microcredit programs in Bangladesh have experienced spectacular growth in recent years, with a growing number of borrowers availing credit from multiple microcredit agencies. There is a growing concern that if there are not sufficient returns to borrowing from microfinance institutions (MFIS), some...
Gespeichert in:
| Beteilige Person: | |
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| Format: | Elektronisch E-Book |
| Sprache: | Englisch |
| Veröffentlicht: |
Washington, D.C
The World Bank
2013
|
| Links: | https://doi.org/10.1596/1813-9450-6574 |
| Zusammenfassung: | Microcredit programs in Bangladesh have experienced spectacular growth in recent years, with a growing number of borrowers availing credit from multiple microcredit agencies. There is a growing concern that if there are not sufficient returns to borrowing from microfinance institutions (MFIS), some borrowers might be taking loans that they will not be able to repay. A household may be considered over-indebted, for example, if its debt liability exceeds 40 percent of its income or assets. Using a long panel of household survey data from Bangladesh, the paper finds that some 26 percent of microcredit borrowers are over-indebted on this measure versus 22 percent of non-microcredit borrowers. Econometric analysis suggests that both MFI competition and multiple borrowing raise indebtedness. However, repeated borrowing, while it affects short-term liability adversely, does affect the long-term debt-asset ratio favorably. That is, repeated borrowing helps increase assets more than debt over time. Microcredit borrowers in Bangladesh are thus not necessarily over-indebted. But when borrowing is seen as protection against shocks such as floods even at the cost of being indebted, MFIs may offer micro-insurance schemes to safeguard borrowers against economic shocks |
| Umfang: | 1 Online-Ressource (43 p) |
| DOI: | 10.1596/1813-9450-6574 |
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| 520 | |a Microcredit programs in Bangladesh have experienced spectacular growth in recent years, with a growing number of borrowers availing credit from multiple microcredit agencies. There is a growing concern that if there are not sufficient returns to borrowing from microfinance institutions (MFIS), some borrowers might be taking loans that they will not be able to repay. A household may be considered over-indebted, for example, if its debt liability exceeds 40 percent of its income or assets. Using a long panel of household survey data from Bangladesh, the paper finds that some 26 percent of microcredit borrowers are over-indebted on this measure versus 22 percent of non-microcredit borrowers. Econometric analysis suggests that both MFI competition and multiple borrowing raise indebtedness. However, repeated borrowing, while it affects short-term liability adversely, does affect the long-term debt-asset ratio favorably. That is, repeated borrowing helps increase assets more than debt over time. Microcredit borrowers in Bangladesh are thus not necessarily over-indebted. But when borrowing is seen as protection against shocks such as floods even at the cost of being indebted, MFIs may offer micro-insurance schemes to safeguard borrowers against economic shocks | ||
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| publisher | The World Bank |
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| spellingShingle | Khandker, Shahidur R. Are Microcredit Borrowers in Bangladesh over-Indebted? |
| title | Are Microcredit Borrowers in Bangladesh over-Indebted? |
| title_auth | Are Microcredit Borrowers in Bangladesh over-Indebted? |
| title_exact_search | Are Microcredit Borrowers in Bangladesh over-Indebted? |
| title_full | Are Microcredit Borrowers in Bangladesh over-Indebted? Shahidur R. Khandker |
| title_fullStr | Are Microcredit Borrowers in Bangladesh over-Indebted? Shahidur R. Khandker |
| title_full_unstemmed | Are Microcredit Borrowers in Bangladesh over-Indebted? Shahidur R. Khandker |
| title_short | Are Microcredit Borrowers in Bangladesh over-Indebted? |
| title_sort | are microcredit borrowers in bangladesh over indebted |
| url | https://doi.org/10.1596/1813-9450-6574 |
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