Replication data for: Credit Elasticities in Less-Developed Economies: Implications for Microfinance
Principal Investigator(s): View help for Principal Investigator(s) Dean S. Karlan; Jonathan Zinman
Version: View help for Version V1
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LICENSE.txt | text/plain | 14.6 KB | 10/12/2019 04:20:AM |
kz_demandelasts_aer08.dta | application/octet-stream | 10 MB | 10/12/2019 04:20:AM |
kz_demandelasts_aer08_maturity_first.do | text/plain | 2.3 KB | 10/12/2019 04:20:AM |
kz_demandelasts_aer08_maturity_second.do | text/plain | 2.3 KB | 10/12/2019 04:20:AM |
kz_demandelasts_aer08_onebutton_tables.do | text/plain | 797 bytes | 10/12/2019 04:20:AM |
kz_demandelasts_aer08_price_attention.do | text/plain | 2.1 KB | 10/12/2019 04:20:AM |
kz_demandelasts_aer08_price_extensive.do | text/plain | 1.8 KB | 10/12/2019 04:20:AM |
kz_demandelasts_aer08_price_het.do | text/plain | 2.4 KB | 10/12/2019 04:20:AM |
kz_demandelasts_aer08_price_loansize.do | text/plain | 3.2 KB | 10/12/2019 04:20:AM |
kz_demandelasts_aer08_price_profitcomponents.do | text/plain | 615 bytes | 10/12/2019 04:20:AM |
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Project Citation:
Karlan, Dean S., and Zinman, Jonathan. Replication data for: Credit Elasticities in Less-Developed Economies: Implications for Microfinance. Nashville, TN: American Economic Association [publisher], 2008. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 2019-10-12. https://doi.org/10.3886/E113240V1
Project Description
Summary:
View help for Summary
Policymakers often prescribe that microfinance institutions increase
interest rates to eliminate their reliance on subsidies. This strategy
makes sense if the poor are rate insensitive: then microlenders increase
profitability (or achieve sustainability) without reducing the poor's
access to credit. We test the assumption of price inelastic demand using
randomized trials conducted by a consumer lender in South Africa. The
demand curves are downward sloping, and steeper for price increases
relative to the lender's standard rates. We also find that loan size is
far more responsive to changes in loan maturity than to changes in
interest rates, which is consistent with binding liquidity constraints.
Scope of Project
JEL Classification:
View help for JEL Classification
G21 Banks; Depository Institutions; Micro Finance Institutions; Mortgages
O15 Economic Development: Human Resources; Human Development; Income Distribution; Migration
O16 Economic Development: Financial Markets; Saving and Capital Investment; Corporate Finance and Governance
G21 Banks; Depository Institutions; Micro Finance Institutions; Mortgages
O15 Economic Development: Human Resources; Human Development; Income Distribution; Migration
O16 Economic Development: Financial Markets; Saving and Capital Investment; Corporate Finance and Governance
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