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Title Seasonality and microcredit : the case of Northern Bangladesh / Abu S. Shonchoy, editor.
Imprint Tokyo : Springer, 2014.

View online
View online
Series SpringerBriefs in Economics, 2191-5504
SpringerBriefs in economics. 2191-5504
Subject Microfinance -- Bangladesh.
Seasonal variations (Economics)
Alt Name Shonchoy, Abu,
Description 1 online resource (xvii, 107 pages) : illustrations (some color).
polychrome rdacc
Contents Chapter 1Introduction -- Chapter 2 Overview and current practice of Micro-finance across the world -- Chapter 3 Seasonality affecting Micro-credit in Bangladesh -- Chapter 4 Socio-economic scenarios of the sampled areas with sample data -- Chapter 5Details of the experiment design -- Chapter 6 Impact of micro-credit on migration and food consumption -- Chapter 7 Repayment behaviour of borrowers -- Chapter 8 Conclusion.
Summary The mismatch between credit repayments and income seasonality can create serious distortions. However, typically Micro-Finance Institutes (MFIs) do not provide any adjustments due to the income seasonality. For instance in Northern Bangladesh, Income and consumption downfalls during the time of post-Aman rice plantation seasons are quite regular phenomenon which is locally known as 'Monga'. Poor landless agricultural wage laborers suffer the most due to this seasonality and usually they face difficulty to smooth their consumptions. As a result, it is extremely difficult to arrange the regular weekly loan repayments of the micro-credit, which they have taken during the productive part of the year. Using field experiments through RCTs in Northern Bangladesh, we randomly assigned seasonality adjusted flexible micro-credits and traditional rigid micro-credit to different borrowing groups. Examining the repayment behavior of the borrowers in the context of geographical classifications and loan designs; employing both survey and experimental methods, this study allows us to see the consequences of flexible loan repayment rules during the lean periods, and how they affect both MFIs and participating borrowers. The findings of this study have important policy implications for MFIs and policy-makers of the developing countries.
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Note Online resource; title from PDF title page (SpringerLink, viewed June 12, 2014).
ISBN 9784431550105 (electronic bk.)
4431550100 (electronic bk.)
4431550097 (print)
9784431550099 (print)
ISBN/ISSN 10.1007/978-4-431-55010-5
OCLC # 881318988
Additional Format Printed edition: 9784431550099

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