Access to capital in rural Thailand: An estimated model of formal versus informal credit
"The aim of this paper is to understand the mechanism underlying access to credit. Gine focuses on two important aspects of rural credit markets in Thailand. First, moneylenders and other informal lenders coexist with formal lending institutions such as government or commercial banks, and more...
Gespeichert in:
| 1. Verfasser: | |
|---|---|
| Format: | Elektronisch E-Book |
| Sprache: | English |
| Veröffentlicht: |
[Washington, D.C]
World Bank
2005
|
| Schriftenreihe: | Policy research working paper
3502 |
| Schlagworte: | |
| Online-Zugang: | Volltext Volltext |
| Zusammenfassung: | "The aim of this paper is to understand the mechanism underlying access to credit. Gine focuses on two important aspects of rural credit markets in Thailand. First, moneylenders and other informal lenders coexist with formal lending institutions such as government or commercial banks, and more recently, micro-lending institutions. Second, potential borrowers presumably face sizable transaction costs obtaining external credit. The author develops and estimates a model based on limited enforcement and transaction costs that provides a unified view of those facts. The results show that the limited ability of banks to enforce contracts, more than transaction costs, is crucial in understanding the observed diversity of lenders. This paper--a product of the Finance Team, Development Research Group--is part of a larger effort in the group to understand access to credit"--World Bank web site |
| Beschreibung: | Includes bibliographical references. - Title from PDF file as viewed on 1/28/2005 Erscheinungsjahr in Vorlageform:[2005] |
| Beschreibung: | 1 Online-Ressource |
| DOI: | 10.1596/1813-9450-3502 |
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| 520 | 1 | |a "The aim of this paper is to understand the mechanism underlying access to credit. Gine focuses on two important aspects of rural credit markets in Thailand. First, moneylenders and other informal lenders coexist with formal lending institutions such as government or commercial banks, and more recently, micro-lending institutions. Second, potential borrowers presumably face sizable transaction costs obtaining external credit. The author develops and estimates a model based on limited enforcement and transaction costs that provides a unified view of those facts. The results show that the limited ability of banks to enforce contracts, more than transaction costs, is crucial in understanding the observed diversity of lenders. This paper--a product of the Finance Team, Development Research Group--is part of a larger effort in the group to understand access to credit"--World Bank web site | |
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| spellingShingle | Giné, Xavier Access to capital in rural Thailand An estimated model of formal versus informal credit |
| title | Access to capital in rural Thailand An estimated model of formal versus informal credit |
| title_auth | Access to capital in rural Thailand An estimated model of formal versus informal credit |
| title_exact_search | Access to capital in rural Thailand An estimated model of formal versus informal credit |
| title_full | Access to capital in rural Thailand An estimated model of formal versus informal credit Xavier Gine |
| title_fullStr | Access to capital in rural Thailand An estimated model of formal versus informal credit Xavier Gine |
| title_full_unstemmed | Access to capital in rural Thailand An estimated model of formal versus informal credit Xavier Gine |
| title_short | Access to capital in rural Thailand |
| title_sort | access to capital in rural thailand an estimated model of formal versus informal credit |
| title_sub | An estimated model of formal versus informal credit |
| url | https://hdl.handle.net/10986/8918 https://doi.org/10.1596/1813-9450-3502 |
| work_keys_str_mv | AT ginexavier accesstocapitalinruralthailandanestimatedmodelofformalversusinformalcredit AT worldbank accesstocapitalinruralthailandanestimatedmodelofformalversusinformalcredit |