Institutional work: how lenders transform land titles into collateral in urban Tanzania
Institutional work: how lenders transform land titles into collateral in urban Tanzania
复制标题
机构工作：贷款人如何将坦桑尼亚城市的土地所有权转化为抵押品
DOI：
10.1093/jeg/lbad019
复制
发表时间：
2023
影响因子：
2.9
通讯作者：
Manara M
中科院分区：
文献类型：
--
作者：
Manara M
我们研究的“制度配置”，使土地所有权作为抵押品在坦桑尼亚的新生信贷市场，通过“机构工作”的当地贷款人。这项工作是有效的，也是不稳定的：虽然贷款人在不同领域寻求和创造制度互补，但他们也需要更高级别的监管，以帮助稳定土地所有权作为抵押品的可互换性。我们的研究结果有助于知识的路径依赖，偶然性和不平衡的轨迹在财产信贷关系的发展，并推进理解的制度相互依赖和协同进化的位置经济。通过结合深入的情境化和制度分析，我们在经济地理学的制度研究的经验参与。
We examine the ‘institutional configuration’ that makes land titles work as collateral in Tanzania’s nascent credit market, through the ‘institutional work’ of local lenders. This work is effective and precarious: while lenders seek out and create institutional complementarities across diverse domains, they also require higher-level regulation to help stabilise land titles’ fungibility as collateral. Our results contribute to knowledge on path-dependency, contingency and uneven trajectories in the property-credit nexus development, and advance understandings of institutional interdependencies and coevolution in the situated economy. By combining deep contextualisation and institutional analysis, we progress an empirical engagement with institutional research in economic geography.