eprintid: 10052368
rev_number: 23
eprint_status: archive
userid: 608
dir: disk0/10/05/23/68
datestamp: 2021-05-27 16:12:49
lastmod: 2021-12-23 23:09:35
status_changed: 2021-05-27 16:12:49
type: working_paper
metadata_visibility: show
creators_name: Aniket, K
title: Self Help Groups: Use of modified ROSCAs in Microfinance
ispublished: pub
divisions: UCL
divisions: B04
divisions: C04
keywords: Microfinance, Group Lending, Credit, Saving
note: This version is the version of record. For information on re-use, please refer to the publisher’s terms and conditions.
abstract: The paper documents the group lending mechanism used by a typical microfinance lender in Haryana, India. The mechanism had three interesting features. Firstly, the groups were initially formed as Rotating, Saving and Credit Associations. This enabled the lender to screen the groups. Second, there was significant heterogeneity within the group in terms of income and educational achievements. Third, the relatively wealthy individuals dominated the decision making process in the group and were able to obtain a disproportionate amount of credit allocated to the group.
date: 2005-11
date_type: published
publisher: School of Economics, the University of Edinburgh
official_url: https://www.ed.ac.uk/economics/research/discussion-papers
oa_status: green
full_text_type: pub
language: eng
primo: open
primo_central: open_green
verified: verified_manual
elements_id: 1567618
lyricists_name: Aniket, Kumar
lyricists_id: KANIK55
actors_name: Aniket, Kumar
actors_id: KANIK55
actors_role: owner
full_text_status: public
series: ESE Discussion Papers
number: 137
place_of_pub: Edinburgh, UK
pages: 61
citation:        Aniket, K;      (2005)    Self Help Groups: Use of modified ROSCAs in Microfinance.                    (ESE Discussion Papers  137). School of Economics, the University of Edinburgh: Edinburgh, UK.       Green open access   
 
document_url: https://discovery.ucl.ac.uk/id/eprint/10052368/1/id137_esedps.pdf