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.
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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.
| Type: | Working / discussion paper |
|---|---|
| Title: | Self Help Groups: Use of modified ROSCAs in Microfinance |
| Open access status: | An open access version is available from UCL Discovery |
| Publisher version: | https://www.ed.ac.uk/economics/research/discussion... |
| Language: | English |
| Additional information: | This version is the version of record. For information on re-use, please refer to the publisher’s terms and conditions. |
| Keywords: | Microfinance, Group Lending, Credit, Saving |
| UCL classification: | UCL UCL > Provost and Vice Provost Offices > UCL BEAMS UCL > Provost and Vice Provost Offices > UCL BEAMS > Faculty of the Built Environment |
| URI: | https://discovery.ucl.ac.uk/id/eprint/10052368 |
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