Click here for search results
After the microfinance crisis : assessing the role of government-led microcredit alternatives, Volume 1
Author:de la Torre, Jordi; Gine, Xavier; Vishwanath, Tara; Country:World;
Date Stored:2011/09/22Document Date:2011/09/01
Document Type:Policy Research Working PaperSubTopics:Access to Finance; Debt Markets; Bankruptcy and Resolution of Financial Distress; Banks & Banking Reform; Financial Intermediation
Language:EnglishMajor Sector:Financial Sector
Rel. Proj ID:IN-Impact Evaluation For Rural Credit Cooperatives Project -- -- P107479;Region:The World Region
Report Number:WPS5808Sub Sectors:General finance sector
Collection Title:Policy Research working paper ; no. WPS 5808TF No/Name:TF095412-Impact Evaluation Central Cooperative Banks Revival Package Andra Prade
Volume No:1  

Summary: In light of the recent microfinance crisis in South India, government-run institutions in general, and primary agricultural credit cooperatives in particular, may end up playing a larger role in the provision of financial services for the poor. Using survey data collected in 2007 from three districts in Andhra Pradesh, this paper assesses the performance of 72 primary agricultural credit cooperatives and finds lack of training among the management. In addition, primary agricultural credit cooperatives tend to be used as political instruments and, as a result, borrowers prioritize all debt obligations (microfinance institutions, informal lenders, etc.) before repaying their primary agricultural credit cooperative loans. The authors suggest that if the performance of primary agricultural credit cooperatives does not improve, a larger government role in the supply of credit may undermine the culture of repayment.

Official Documents
Official, scanned versions of documents (may include signatures, etc.)
File TypeDescriptionFile Size (mb)
PDF 14 pagesOfficial version*0.98 (approx.)
TextText version**
How To Order

See documents related to this project
* The official version is derived from scanning the final, paper copy of the document and is the official,
archived version including all signatures, charts, etc.
** The text version is the OCR text of the final scanned version and is not an accurate representation of the final text.
It is provided solely to benefit users with slow connectivity.

Permanent URL for this page:

© 2016 The World Bank Group, All Rights Reserved. Legal