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Details
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| Country:
| Bangladesh ; |
| Doc Name:
| Household and intrahousehold impact of the Grameen Bank and similar targeted credit programs in Bangladesh |
| Keywords:
| Development credits; Bank loans; Rural poverty; Lending programme; Household surveys; Villages; Data collecting; Econometric models; Enrolment ratio; Fertility; Contraceptive methods; Low income households; Men; Women; Credit programs; Labor supply. Agriculture,Bank loans,beneficiaries,capital requirements,Civil Service,commercial banks,credit rationing,decision making,default risk,deposits,discounted present value,discounted value,economic efficiency,Economics,Employment,financial institutions,financial markets,financial services,Financial Systems,Health Care,Human Capital,imperfect information,income,institutional development,insurance,insurance funds,interest rate,interest rates,joint liability,labor markets,labor supply,Laws,leisure,lending institutions,Liberalization,life expectancy,low income,marginal product,marginal utility,market forces,Nutrition,opportunity costs,optimization,peer monitoring,penalties,poverty alleviation,premiums,present value,private information,production efficiency,production function,production technology,productivity,programs,Public Policy,resource allocation,risk of default,rural banks,savings,social welfare,sustainability,transaction costs,transport,utility function,utility functions,variable inputs,wages,wealth,welfare function,World Trade Organization
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| Language:
| English |
| Major Sector:
| Finance |
| Region:
| South Asia ; |
| Rep Title:
| Household and intrahousehold impact of the Grameen Bank and similar targeted credit programs in Bangladesh |
| Sector:
| (Historic)Other finance |
| Topics:
| Health, Nutrition and Population |
| SubTopics:
| Environmental Economics & Policies ; Economic Theory & Research ; Banks & Banking Reform ; Health Economics & Finance ; Insurance & Risk Mitigation |
| Unit Owning:
| HRS |
| Originating Unit:
| PSP |
| Collection Title: | World Bank discussion papers
; no. WDP 320 |
| ISBN: | ISBN 0-8213-3594-4 |
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Abstract
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| Group-based lending programs for the poor have become a focus of attention in the development community over the last several years. This paper treats the choice of participating in credit programs in a sample of Bangladeshi households and villages as corresponding to a "quasi-experiment" conditional on all observed and unobserved village characteristics. It uses the same approach to help identify the separate effects of lending to female and male household members, making use of the fact that credit groups are single-sex and groups for both sexes are not available in all villages. The data were collected in a special survey carried out in 87 rural Bangladeshi villages during 1991-92. The paper provides separate estimates of the influence of borrowing by both men and women for each of three credit programs (the Grameen Bank, the Bangladesh Rural Advancement Committee (BRAC), and the Bangladesh Rural Development Board's RD-12 program (BRDB) on a variety of household and individual outcomes. These outcomes include the school enrollment of boys and girls, the labor supply of women and men, the asset holdings of women, recent fertility and contraceptive use, consumption, and the anthropometric status of children. The authors find that credit is a significant determinant of many of these outcomes. Furthermore, credit provided to women was more likely to influence these behaviors than credit provided to men, and had the greatest impact on variables associated with women's power and independence. In short, program credit has a significant effect on the well-being of poor households in Bangladesh and this effect is greater when women are the program participants. |
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