Where is the ‘Plus’ in ‘Credit-Plus’? The Case of Chiapas, Mexico
Bibliographic Data
| ID | 20303697 |
|---|---|
| Authors | Olga Biosca (0000-0003-0422-0003, Glasgow Caledonian University, corresponding author), Pamela Lenton (0000-0002-8449-7207, University of Sheffield), Paul Mosley (0000-0002-0280-3224, University of Sheffield) |
| Year | 2014 |
| Volume | 50 |
| Issue | 12 |
| Pages | 1700-1716 |
| Publication date | 2014-12-02 |
| Peer Reviewed | Yes |
| Open Access | No |
| Type | ARTICLE |
| Venue | The Journal of Development Studies (JOURNAL) |
| Journal identifiers | ISSN: 0022-0388 • E-ISSN: 1743-9140 |
| Publisher | Informa UK Limited (PUBLISHER • GB) |
| DOI | 10.1080/00220388.2014.957279 |
| OpenAlex | W2032324496 |
| Language | EN |
| Citations received | 7 |
| References cited | 34 |
It has become common to try and increase the effectiveness of microfinance programmes by adding supplementary services to the financial product. However, the added value accruing from this ‘credit-plus’ approach has been little analysed. We hypothesise that the extent of added value from credit-plus depends on the ability of the credit supplier to cultivate trust, or social capital, amongst clients. Applying difference-in-difference estimation, we exploit a natural experiment of two ‘credit-plus’ programmes in Mexico. The findings suggest that credit-plus is not universally effective, but that it is at its most effective, especially with low-income groups, where ‘bonding’ (within-group) social capital exists
Bond market · Business · Credit enhancement · Credit reference · Credit risk · Economic growth · Economics · Exploit · Financial system · Microfinance · Product (mathematics) · Social capital · Sociology · Statistics · Value (mathematics) · Finance · Innovation and Socioeconomic Development · Microfinance and Financial Inclusion · Poverty, Education, and Child Welfare
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| Unique citing works | 7 |
|---|---|
| Citations per year | 0,7 |
| Citation span | 2016 - 2026 (11) |
| Citation velocity | current |
| Highly cited | No |
| Citation types | Neutral: 7 |