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Banks and microbanks, Volume 1
 
Author:Cull, Robert; Demirguc-Kunt, Asli; Morduch, Jonathan; Collection Title:Policy Research working paper ; no. WPS 5078
Country:World; Date Stored:2009/10/14
Document Date:2009/10/01Document Type:Policy Research Working Paper
SubTopics:Access to Finance; Economic Theory & Research; Debt Markets; Banks & Banking Reform; MicrofinanceLanguage:English
Major Sector:FinanceRel. Proj ID:1W-Program Research Proposal In Finance -- -- P107616;
Region:The World RegionReport Number:WPS5078
Sub Sectors:General finance sectorVolume No:1

Summary: Using two new datasets, the authors examine whether the presence of banks affects the profitability and outreach of microfinance institutions. They find evidence that competition matters. Greater bank penetration in the overall economy is associated with microbanks pushing toward poorer markets, as reflected in smaller average loans sizes and greater outreach to women. The evidence is particularly strong for microbanks relying on commercial funding and using traditional bilateral lending contracts (rather than the group lending methods favored by microfinance nongovernmental organizations). The analysis considers plausible alternative explanations for the correlations, including relationships that run through the nature of the regulatory environment and the structure of the banking environment; but it fails to find strong support for these alternative hypotheses.

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