| Description |
1 online resource (xvii, 107 pages) : illustrations (some color) |
| Series |
SpringerBriefs in Economics, 2191-5504 |
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SpringerBriefs in economics, 2191-5504
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| Contents |
Chapter 1Introduction -- Chapter 2 Overview and current practice of Micro-finance across the world -- Chapter 3 Seasonality affecting Micro-credit in Bangladesh -- Chapter 4 Socio-economic scenarios of the sampled areas with sample data -- Chapter 5Details of the experiment design -- Chapter 6 Impact of micro-credit on migration and food consumption -- Chapter 7 Repayment behaviour of borrowers -- Chapter 8 Conclusion |
| Summary |
The mismatch between credit repayments and income seasonality can create serious distortions. However, typically Micro-Finance Institutes (MFIs) do not provide any adjustments due to the income seasonality. For instance in Northern Bangladesh, Income and consumption downfalls during the time of post-Aman rice plantation seasons are quite regular phenomenon which is locally known as 'Monga'. Poor landless agricultural wage laborers suffer the most due to this seasonality and usually they face difficulty to smooth their consumptions. As a result, it is extremely difficult to arrange the regular weekly loan repayments of the micro-credit, which they have taken during the productive part of the year. Using field experiments through RCTs in Northern Bangladesh, we randomly assigned seasonality adjusted flexible micro-credits and traditional rigid micro-credit to different borrowing groups. Examining the repayment behavior of the borrowers in the context of geographical classifications and loan designs; employing both survey and experimental methods, this study allows us to see the consequences of flexible loan repayment rules during the lean periods, and how they affect both MFIs and participating borrowers. The findings of this study have important policy implications for MFIs and policy-makers of the developing countries |
| Analysis |
finance |
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investering |
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investment |
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banken |
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banks |
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maatschappelijk verantwoord ondernemen |
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corporate social responsibility |
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economie |
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economics |
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bedrijfswetenschap |
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management science |
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ontwikkelingseconomie |
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development economics |
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Management studies, Business Administration, Organizational Science (General) |
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Economics (General) |
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Management, bedrijfskunde, organisatiekunde (algemeen) |
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Economie (algemeen) |
| Notes |
Online resource; title from PDF title page (SpringerLink, viewed June 12, 2014) |
| Subject |
Microfinance -- Bangladesh
|
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Seasonal variations (Economics)
|
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BUSINESS & ECONOMICS -- Finance.
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Microfinance
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Seasonal variations (Economics)
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Bangladesh
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| Form |
Electronic book
|
| Author |
Shonchoy, Abu, editor.
|
| ISBN |
9784431550105 |
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4431550100 |
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4431550097 |
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9784431550099 |
|
