Competitive loan-groups and economic achievements of microcredit loan users in a group-lending program: Estimating the impacts of a self-selected loan group on the household income of its members: Evidence from India
Competitive loan-groups and economic achievements of microcredit loan users in a group-lending program: Estimating the impacts of a self-selected loan group on the household income of its members: Evidence from India
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团体贷款计划中的竞争性贷款团体和小额信贷贷款用户的经济成就：估计自选贷款团体对其成员家庭收入的影响：来自印度的证据
DOI：
10.1016/j.ssaho.2021.100196
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发表时间：
2021
影响因子：
--
通讯作者：
Megumi and Abhay Joshi
中科院分区：
文献类型：
--
作者：
Nishimrua;Megumi and Abhay Joshi
本研究揭示了在小额信贷群体贷款计划下形成的自选贷款群体，并估计了反映群体氛围和群体成员之间竞争的后决定群体相关因素如何以及在多大程度上影响贷款用户的经济成就。根据印度马哈拉施特拉邦的数据，本研究发现，成员之间的社会同质性和监督是增加贷款用户家庭收入的基石，而公平性和与其他成员的频繁会面则是绊脚石。如果一个成员加入了一个竞争性的贷款团体，那么增加家庭收入的可能性就会更高。在这个团体中，社会同质的成员聚集在一起，互相监督，但见面的频率较低，而且得不到平等待遇。这些结果表明，既存条件并不是经济成功的唯一因素，小额信贷用户周围的后环境也有助于增加他们的家庭收入。在我们的研究中，与其创造一个舒适的平等主义贷款群体，不如形成一个竞争性贷款群体，这可能是导致经济成功的一个后向因素。
This study sheds light on self-selected loan groups formed under a microcredit group-lending program and estimates how and the extent to which post-determined group-related factors reflecting the group atmosphere and rivalry among the group members affect the economic achievements of the loan users. Based on data from Maharashtra State, India, this study finds that social homogeneity and monitoring among members work as building blocks to increase the household income of a loan user, while fairness and frequent meetings with other members work as stumbling blocks. The likelihood of increasing household income is higher if a member joins a competitive loan group in which socially homogenous members gather and monitor each other but meet less frequently and are not granted equal treatment. These results suggest that pre-existing conditions are not the only factors responsible for economic success and that the posterior environment surrounding microcredit users also contributes to increasing their household income. In our study, rather than creating a comfortable egalitarian loan group, the formation of a competitive loan group can be a posterior factor leading to economic success.
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DOI：
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DOI：
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发表时间：
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