Publication:
Determinants of Repayment Performance in Indian Micro-Credit Groups

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dc.contributor.authorLiu, Yanyan
dc.contributor.authorDeininger, Klaus
dc.date.accessioned2012-03-19T19:09:38Z
dc.date.available2012-03-19T19:09:38Z
dc.date.issued2009-03-01
dc.description.abstractDespite their potential importance and ease of modification, impacts of monitoring and loan recovery arrangements on micro-credit groups' repayment performance have rarely been studied. Data on 3,350 expired group loans in 300 Indian villages highlight that regular monitoring and audits, high repayment frequency, consumption smoothing support through rice credit, and having group savings deposited with the lender all significantly increase repayment rates. Estimated magnitudes of their effects vastly exceed those of members' socio-economic characteristics. Significantly lower repayment on loans originating in externally provided grant resources suggests that stringent monitoring will be essential for these to have a sustainable impact.en
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_20090330104823
dc.identifier.doi10.1596/1813-9450-4885
dc.identifier.urihttps://hdl.handle.net/10986/4080
dc.languageEnglish
dc.relation.ispartofseriesPolicy Research working paper ; no. WPS 4885
dc.rightsCC BY 3.0 IGO
dc.rights.holderWorld Bank
dc.rights.urihttp://creativecommons.org/licenses/by/3.0/igo/
dc.subjectACCESS TO INFORMATION
dc.subjectAMOUNT OF LOANS
dc.subjectANNUAL INTEREST RATE
dc.subjectAUDITS
dc.subjectBANK LOANS
dc.subjectBORROWER
dc.subjectCASE OF DEFAULT
dc.subjectCASH COLLATERAL
dc.subjectCOLLATERAL
dc.subjectCOMMERCIAL BANK
dc.subjectCOMMERCIAL BANK LOANS
dc.subjectCOMMERCIAL BANKS
dc.subjectCONSUMPTION SMOOTHING
dc.subjectCREDIBILITY
dc.subjectCREDIT AGREEMENT
dc.subjectCREDIT CONSTRAINTS
dc.subjectCREDIT COOPERATIVE
dc.subjectCREDIT GROUPS
dc.subjectCREDIT INFORMATION
dc.subjectCREDIT INFORMATION SYSTEMS
dc.subjectCREDIT MARKET
dc.subjectCREDIT MARKETS
dc.subjectCREDIT WORTHINESS
dc.subjectDEFAULTS
dc.subjectDEPENDENT
dc.subjectDEPOSIT
dc.subjectDEVELOPING COUNTRIES
dc.subjectECONOMIC CHARACTERISTICS
dc.subjectECONOMIC DEVELOPMENT
dc.subjectECONOMIC GROWTH
dc.subjectFINANCIAL AFFAIRS
dc.subjectFINANCIAL MARKETS
dc.subjectFINANCIAL PERFORMANCE
dc.subjectFINANCIAL SERVICES
dc.subjectFIRST LOAN
dc.subjectFULL REPAYMENT
dc.subjectGENDER
dc.subjectGROUP LENDING
dc.subjectGROUP LENDING PROGRAMS
dc.subjectGROUP LOANS
dc.subjectGROUP SAVINGS
dc.subjectHOUSEHOLDS
dc.subjectINDIVIDUAL LOAN
dc.subjectINSTALLMENT
dc.subjectINSTALLMENTS
dc.subjectINSURANCE
dc.subjectINTEREST RATE
dc.subjectINTERNAL SAVINGS
dc.subjectINTERNATIONAL BANK
dc.subjectINVESTMENT FUND
dc.subjectJOINT LIABILITY
dc.subjectLENDER
dc.subjectLOAN
dc.subjectLOAN CHARACTERISTICS
dc.subjectLOAN RECOVERY
dc.subjectLOAN REPAYMENT
dc.subjectLOAN SIZE
dc.subjectLOANS FROM BANKS
dc.subjectMARKETING
dc.subjectMFIS
dc.subjectMICRO-CREDIT
dc.subjectMICRO-FINANCE
dc.subjectMICROCREDIT
dc.subjectMICROFINANCE
dc.subjectMICROFINANCE INSTITUTIONS
dc.subjectMORAL HAZARD
dc.subjectOUTREACH
dc.subjectPOOR BORROWERS
dc.subjectPROBABILITIES
dc.subjectPROBABILITY
dc.subjectPUBLIC GOODS
dc.subjectREPAYMENT
dc.subjectREPAYMENT INCENTIVES
dc.subjectREPAYMENT PERFORMANCE
dc.subjectREPAYMENT RATES
dc.subjectRISK POOLING
dc.subjectRURAL FINANCIAL MARKETS
dc.subjectSAVINGS
dc.subjectSOCIAL COLLATERAL
dc.subjectTHRIFT
dc.subjectTRUST FUND
dc.subjectURBAN DEVELOPMENT
dc.subjectVILLAGE
dc.subjectVILLAGES
dc.titleDeterminants of Repayment Performance in Indian Micro-Credit Groupsen
dspace.entity.typePublication
okr.crossref.titleDeterminants Of Repayment Performance In Indian Micro-Credit Groups
okr.date.doiregistration2025-04-10T12:18:38.830948Z
okr.doctypePublications & Research::Policy Research Working Paper
okr.docurlhttp://www-wds.worldbank.org/external/default/main?menuPK=64187510&pagePK=64193027&piPK=64187937&theSitePK=523679&menuPK=64187510&searchMenuPK=64187283&siteName=WDS&entityID=000158349_20090330104823
okr.guid229321468041336061
okr.identifier.doi10.1596/1813-9450-4885
okr.identifier.externaldocumentum000158349_20090330104823
okr.identifier.internaldocumentum10394243
okr.identifier.reportWPS4885
okr.language.supporteden
okr.pdfurlhttp://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2009/03/30/000158349_20090330104823/Rendered/PDF/WPS4885.pdfen
okr.region.administrativeSouth Asia
okr.region.administrativeSouth Asia
okr.region.countryIndia
okr.region.geographicalSouth Asia
okr.region.geographicalAsia
okr.sectorHousing finance and real estate markets,General public administration sector,General agriculture, fishing and forestry sector
okr.sectorFinance,Public Administration, Law, and Justice,Agriculture, fishing, and forestry
okr.themeRural development :: Rural markets
okr.unitDevelopment Research Group (DECRG)
okr.volume1 of 1
relation.isAuthorOfPublication68546f99-84de-5466-be55-9170c38603e2
relation.isAuthorOfPublication.latestForDiscovery68546f99-84de-5466-be55-9170c38603e2
relation.isSeriesOfPublication26e071dc-b0bf-409c-b982-df2970295c87
relation.isSeriesOfPublication.latestForDiscovery26e071dc-b0bf-409c-b982-df2970295c87
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