After the Microfinance Crisis : Assessing the Role of Government-Led Microcredit Alternatives

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dc.creatorde la Torre, Jordi
dc.creatorGiné, Xavier
dc.creatorVishwanath, Tara
dc.date2012-03-19T18:04:46Z
dc.date2012-03-19T18:04:46Z
dc.date2011-09-01
dc.date.accessioned2026-07-01T00:54:14Z
dc.descriptionIn light of the recent microfinance crisis in South India, government-run institutions in general, and primary agricultural credit cooperatives in particular, may end up playing a larger role in the provision of financial services for the poor. Using survey data collected in 2007 from three districts in Andhra Pradesh, this paper assesses the performance of 72 primary agricultural credit cooperatives and finds lack of training among the management. In addition, primary agricultural credit cooperatives tend to be used as political instruments and, as a result, borrowers prioritize all debt obligations (microfinance institutions, informal lenders, etc.) before repaying their primary agricultural credit cooperative loans. The authors suggest that if the performance of primary agricultural credit cooperatives does not improve, a larger government role in the supply of credit may undermine the culture of repayment.
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dc.formattext/plain
dc.identifierhttp://www-wds.worldbank.org/external/default/main?menuPK=64187510&pagePK=64193027&piPK=64187937&theSitePK=523679&menuPK=64187510&searchMenuPK=64187283&siteName=WDS&entityID=000158349_20110922144222
dc.identifierhttps://hdl.handle.net/10986/3570
dc.identifier10.1596/1813-9450-5808
dc.identifier.urihttp://hdl.handle.net/123456789/412716
dc.languageEnglish
dc.relationPolicy Research working paper ; no. WPS 5808
dc.rightsCC BY 3.0 IGO
dc.rightshttp://creativecommons.org/licenses/by/3.0/igo/
dc.rightsWorld Bank
dc.subjectACCESS TO CREDIT
dc.subjectACCESS TO FINANCE
dc.subjectACCESS TO FINANCIAL SERVICES
dc.subjectACCOUNTING
dc.subjectAGRICULTURAL COOPERATIVE
dc.subjectAGRICULTURAL CREDIT
dc.subjectASSETS
dc.subjectAVAILABILITY OF CREDIT
dc.subjectBANK FINANCING
dc.subjectBANK POLICY
dc.subjectBANKING SYSTEM
dc.subjectBANKS
dc.subjectBORROWING
dc.subjectBRIBE
dc.subjectCLAIM
dc.subjectCOLLATERAL
dc.subjectCOLLATERAL REQUIREMENTS
dc.subjectCOLLATERALS
dc.subjectCOMMERCIAL BANKS
dc.subjectCONTRACT ENFORCEMENT
dc.subjectCOOPERATIVE BANKING
dc.subjectCREDIT COOPERATIVE
dc.subjectCREDIT COOPERATIVES
dc.subjectCREDIT DECISIONS
dc.subjectCREDIT INCREASES
dc.subjectCREDIT INFORMATION
dc.subjectCREDIT INFORMATION BUREAU
dc.subjectCREDIT INSTITUTIONS
dc.subjectCREDIT MARKETS
dc.subjectCREDIT PROVIDERS
dc.subjectCREDIT REGISTRIES
dc.subjectCREDIT SOURCE
dc.subjectCREDITOR
dc.subjectCREDITOR RIGHTS
dc.subjectDEBT
dc.subjectDEBT OBLIGATIONS
dc.subjectDEVELOPING COUNTRIES
dc.subjectECONOMICS
dc.subjectENFORCEMENT OF CREDIT CONTRACTS
dc.subjectFARMERS
dc.subjectFINANCIAL ACCESS
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectFINANCIAL MANAGEMENT
dc.subjectFINANCIAL MARKET
dc.subjectFINANCIAL SERVICES
dc.subjectFORGIVENESS
dc.subjectFORMAL SOURCES OF CREDIT
dc.subjectFULL REPAYMENT
dc.subjectGOVERNMENT BANK
dc.subjectGOVERNMENT INTERVENTION
dc.subjectGOVERNMENT INTERVENTIONS
dc.subjectGOVERNMENT INVOLVEMENT
dc.subjectGOVERNMENT OWNERSHIP
dc.subjectGREATER ACCESS
dc.subjectGROUP ACCOUNT
dc.subjectGUARANTOR
dc.subjectHOUSEHOLDS
dc.subjectINDEBTEDNESS
dc.subjectINFORMAL CREDIT
dc.subjectINFORMAL LENDERS
dc.subjectINFORMAL LOANS
dc.subjectINFORMATION INFRASTRUCTURE
dc.subjectINTEREST RATE
dc.subjectINTEREST RATE CALCULATION
dc.subjectINTERNATIONAL BANK
dc.subjectJOINT LIABILITY
dc.subjectLEGISLATION
dc.subjectLENDING INSTITUTIONS
dc.subjectLIENS
dc.subjectLOAN
dc.subjectLOAN AMOUNT
dc.subjectLOAN CHARACTERISTICS
dc.subjectLOAN CONTRACT
dc.subjectLOAN DECISIONS
dc.subjectLOAN FUNDS
dc.subjectLOAN LOSSES
dc.subjectLOAN RECOVERIES
dc.subjectLOAN REPAYMENT
dc.subjectLOAN SIZE
dc.subjectLOAN SIZES
dc.subjectMARKET DISCIPLINE
dc.subjectMARKET FAILURES
dc.subjectMARKET PARTICIPANTS
dc.subjectMATURITY
dc.subjectMFI
dc.subjectMFIS
dc.subjectMICRO FINANCE
dc.subjectMICRO FINANCE INSTITUTIONS
dc.subjectMICROCREDIT
dc.subjectMICROFINANCE
dc.subjectMICROFINANCE INSTITUTIONS
dc.subjectMICROFINANCE SECTOR
dc.subjectMICROLOAN
dc.subjectMONEY LENDER
dc.subjectMONEY LENDING
dc.subjectNEW BUSINESSES
dc.subjectOUTSTANDING LOAN
dc.subjectPAWN
dc.subjectPAWN BROKER
dc.subjectPOLITICAL ECONOMY
dc.subjectPRIVATE BANKS
dc.subjectPRIVATE CREDIT
dc.subjectPRODUCTIVITY
dc.subjectPROPERTY OWNERSHIP
dc.subjectPROPERTY RIGHTS
dc.subjectRECORD KEEPING
dc.subjectRECOVERY RATES
dc.subjectREPAYMENT
dc.subjectREPAYMENT OF LOAN
dc.subjectREPAYMENT PRIORITY
dc.subjectREPAYMENT RATES
dc.subjectREPAYMENTS
dc.subjectRESERVE
dc.subjectRESERVE BANK
dc.subjectRESERVE BANK OF INDIA
dc.subjectRURAL BANK
dc.subjectRURAL CREDIT
dc.subjectRURAL CREDIT COOPERATIVES
dc.subjectSAVINGS
dc.subjectSMALL FARMER
dc.subjectSMALL FARMERS
dc.subjectSOCIAL WELFARE
dc.subjectSOURCE OF CREDIT
dc.subjectSOURCES OF CREDIT
dc.subjectSUPPLY OF CREDIT
dc.subjectVILLAGE
dc.subjectVILLAGES
dc.titleAfter the Microfinance Crisis : Assessing the Role of Government-Led Microcredit Alternatives

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