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http://hdl.handle.net/11718/21913
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DC Field | Value | Language |
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dc.contributor.author | LAHKAR, RATUL | |
dc.contributor.author | Pingali, Viswanath | |
dc.contributor.author | SADHU, SANTADARSHAN | |
dc.date.accessioned | 2019-05-23T22:05:13Z | |
dc.date.available | 2019-05-23T22:05:13Z | |
dc.date.issued | 2016 | |
dc.identifier.citation | Lahkar, R., Pingali, V., & Sadhu, S. (2016). Does multiple borrowing necessarily mean overborrowing. Enterprise Development Microfinance: An International Journal Of Microfinance and Business Development, 27, (2), 132-141. DOI: 10.3362/l755- 1986.2016.009 | en_US |
dc.identifier.uri | http://hdl.handle.net/11718/21913 | |
dc.description.abstract | Using a survey dataset collected from Andhra Pradesh, India, we test if multiple borrowing is equivalent to over-borrowing. Results suggest that over-borrowing and multiple loans are not necessarily synonymous. As the number of credit agencies in a village increases, the average loan burden of villagers does not increase. We also find evidence of substitution of formal sources of credit for informal ones with increased presence of formal credit institutions. Such substitution is greater with addition of microcredit institutions than with other formal lending agencies. Our results indicate that joint liability setup seems to ensure that individuals at a greater risk of non-repayment are discouraged from obtaining microcredit. | en_US |
dc.publisher | Practical Action Publishing | en_US |
dc.subject | microfinance | en_US |
dc.subject | over-indebtedness | en_US |
dc.subject | multiple borrowing | en_US |
dc.subject | joint liability | en_US |
dc.title | Does multiple borrowing necessarily mean over-borrowing? | en_US |
dc.title.alternative | Enterprise Development and Microfinance | en_US |
dc.type | Article | en_US |
Appears in Collections: | Journal Articles |
Files in This Item:
File | Description | Size | Format | |
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Does multiple borrowing_2016.pdf Restricted Access | Does multiple borrowing_2016 | 575.59 kB | Adobe PDF | View/Open Request a copy |
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