Financial Access Under the Microscope

Released on by Sumit Agarwal
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  • Financial Access Under the Microscope Book Detail

  • Author : Sumit Agarwal
  • Release Date : 2018-09-28
  • Publisher : International Monetary Fund
  • Genre : Business & Economics
  • Pages : 55
  • ISBN 13 : 1484376366
  • File Size : 87,87 MB
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Financial Access Under the Microscope by Sumit Agarwal PDF Summary

Book Description: We examine the impact of a large-scale microcredit expansion program on financial access and the transition of previously unbanked borrowers to commercial banks. Using administrative micro-data covering the universe of loans to individuals from a developing country, we show that the program significantly increased access to credit, particularly in less developed areas. This effect is driven by the newly set-up credit cooperatives (U-SACCOs), which grant loans to previously unbanked individuals. A sizable share of first-time borrowers who need a second loan switch to commercial banks, which cream-skim low-risk borrowers and grant them larger, cheaper, and longer-term loans. These borrowers are not riskier than similar individuals already at commercial banks and only initially receive smaller loans. Our results suggest that the microfinance sector, together with a well-functioning credit reference bureau, help mitigate information frictions in credit markets.

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