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Behavioral Foundations of Microcredit : Experimental and Survey Evidence from Rural India

Bauer, Michal - 2014

Microcredit is an innovative financial tool designed to reduce poverty and fix credit market imperfections. We use experimental measures of time discounting and risk aversion for villagers in south India to highlight behavioral features of microcredit. Conditional on borrowing from any source,...

Persistent link: https://www.econbiz.de/10013069930

Motivational Goal Bracketing : An Experiment

Koch, Alexander K. - 2017

We study in an online, real-effort experiment how the bracketing of non-binding goals affects performance in a work-leisure self-control problem. We externally induce the goal bracket – daily goals or a weekly goal – and within that bracket let subjects set goals for how much they want to...

Persistent link: https://www.econbiz.de/10012948623

Motivational Goal Bracketing with Non-Rational Goals

Koch, Alexander K.; Nafziger, Julia - 2021

We provide a tractable model of motivational goal bracketing by a present-biased individual, extending previous work to show that the main insights from models with rational goals carry over to a setting with non-rational goals. Goals motivate because they serve as reference points that make...

Persistent link: https://www.econbiz.de/10013244262

Motivational Goal Bracketing

Koch, Alexander K. - 2009

It is a puzzle why people often evaluate consequences of choices separately (narrow bracketing) rather than jointly (broad bracketing). We study the hypothesis that a present-biased individual, who faces two tasks, may bracket his goals narrowly for motivational reasons. Goals motivate because...

Persistent link: https://www.econbiz.de/10013155475

Empowering the Vulnerable to Be Entrepreneurs : An Empirical Test on the Effectiveness of the Ghana Microfinance Policy 2006

Diaz-Serrano, Luis - 2016

The study aims at testing the Ghana Microfinance Policy set up to support the vulnerable through access to credit. We … entrepreneurs in the rationing behavior of the microfinance companies. This is what we should expect if the policy is effective. Our … results show that even after controlling for a large number of borrower characteristics, microfinance type and credit …

Persistent link: https://www.econbiz.de/10012979861

Economic Governance of MFIs : Inside the Black Box

Arun, Thankom Gopinath - 2010

This paper investigates a relationship between economic governance and the dual objectives of Microfinance Institutions … atmosphere that will enhance the achievement of microfinance social objectives …

Persistent link: https://www.econbiz.de/10013138487

Win Some Lose Some? Evidence from a Randomized Microcredit Program Placement Experiment by Compartamos Banco

Angelucci, Manuela - 2014

Theory and evidence have raised concerns that microcredit does more harm than good, particularly when offered at high interest rates. We use a clustered randomized trial, and household surveys of eligible borrowers and their businesses, to estimate impacts from an expansion of group lending at...

Persistent link: https://www.econbiz.de/10013063643

Demand Side Analysis of Microlending Markets in Germany

Kritikos, Alexander - 2009

In developing and transition economies, microlending has become an effective instrument for providing micro businesses with the necessary financial resources to launch operations. In the industrialized countries, with their highly developed banking systems, however, there has been ongoing debate...

Persistent link: https://www.econbiz.de/10013158049

The Impact of Micro-Credit on Employment : Evidence from Bangladesh and Pakistan

Kahn, Azhar - 2016

This paper examines the impact of micro-credit on employment. Household-level data was collected, following a quasi-experimental design, in Bangladesh and Pakistan. Three borrower groups are compared: Current borrowers; Pipeline borrowers and Non-borrowers. Pipeline borrowers are included to...

Persistent link: https://www.econbiz.de/10012986762

Is Rationing in the Microfinance Sector Determined by the Microfinance Type? Evidence from Ghana

Diaz-Serrano, Luis - 2015

microfinance type based on the major factors determining micro, small and medium enterprises' access to credit from microfinance … institutions in the era of financial liberalization. The data for the study were gleaned from fourteen microfinance institutions … rationing is not influenced by the microfinance types but by the individual microfinance institutions …

Persistent link: https://www.econbiz.de/10013023752