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Determinants of repayment performance in Indian micro-credit groups
 
Author:Deininger, Klaus; Liu, Yanyan; Collection Title:Policy Research working paper ; no. WPS 4885
Country:India; Date Stored:2009/03/30
Document Date:2009/03/01Document Type:Policy Research Working Paper
Language:EnglishMajor Sector:Public Administration, Law, and Justice; Agriculture, fishing, and forestry; Finance
Rel. Proj ID:1W-Land Policies For Growth And Poverty Reduction: Moving Towards -- -- P095390;Region:South Asia
Report Number:WPS4885Sub Sectors:General agriculture, fishing and forestry sector; General public administration sector; Housing finance
SubTopics:Bankruptcy and Resolution of Financial Distress; Access to Finance; Debt Markets; ; Strategic Debt ManagementTF No/Name:TF055157-LAND; TF090740-DANISH CTF - FY08 (DAC PART I COUNTRIES WITH A PER-CAPITA GNP OF LESS T; TF092028-GENDER; TF090736-JAPAN; TF091533-GENDER; TF091531-GENDER
Volume No:1 of 1  

Summary: Despite their potential importance and ease of modification, impacts of monitoring and loan recovery arrangements on micro-credit groups' repayment performance have rarely been studied. Data on 3,350 expired group loans in 300 Indian villages highlight that regular monitoring and audits, high repayment frequency, consumption smoothing support through rice credit, and having group savings deposited with the lender all significantly increase repayment rates. Estimated magnitudes of their effects vastly exceed those of members' socio-economic characteristics. Significantly lower repayment on loans originating in externally provided grant resources suggests that stringent monitoring will be essential for these to have a sustainable impact.

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