How Rising Competition among Microfinance Institutions Affects Incumbent Lenders
Bibliographic Data
| ID | 9718676 |
|---|---|
| Authors | Craig Mcintosh (0000-0002-8038-2648, University of California San Diego), Alain De Janvry (University of California, Berkeley), Elisabeth Sadoulet (University of California, Berkeley) |
| Year | 2005 |
| Volume | 115 |
| Issue | 506 |
| Pages | 987-1004 |
| Publication date | 2005-10-01 |
| Peer Reviewed | Yes |
| Open Access | Yes |
| Type | ARTICLE |
| Venue | The Economic Journal (JOURNAL) |
| Journal identifiers | ISSN: 0013-0133 • E-ISSN: 1468-0297 |
| Publisher | Oxford University Press (OUP) (PUBLISHER) |
| DOI | 10.1111/j.1468-0297.2005.01028.x |
| OpenAlex | W2126968626 |
| Language | EN |
| Citations received | 24 |
| References cited | 13 |
This article uses data from Uganda's largest incumbent microfinance institution to analyse the impact of entry by competing lenders on client behaviour. We observe that rising competition does not lead to an increase in client dropout rate, but induces a decline in repayment performance and savings deposited with the incumbent, suggesting rising multiple loan-taking by clients. This joint effect on dropout and repayment is consistent with some negative information about clients and is being shared across lenders. However, the observed decline in repayment rates in a context of rising multiple loan-taking shows that information sharing about clients is far from complete. Copyright 2005 Royal Economic Society
Competition (biology · Economic history · Economics · Library science · Management · Microfinance · Political science · Computer Science · FinTech, Crowdfunding, Digital Finance · History · Islamic Finance and Banking Studies · Law · Microfinance and Financial Inclusion
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Outreach and Efficiency of Microfinance Institutions
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Ability or opportunity to act
Microfinance and dynamic incentives
The supply- and demand-side impacts of credit market information
Micro-finance competition
Revealed objective functions of Microfinance Institutions
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Les conséquences de la concurrence sur le marché des services microfinanciers
The Effect of Credit Market Competition on Lending Relationships
Finance, entrepreneurship and growth
Analysis of Covariance with Qualitative Data
Financial markets and growth
Competition and microfinance
Moneylenders and bankers
Group lending, repayment incentives and social collateral
Moneylenders and bankers
Outreach, sustainability and leverage in monitored and peer-monitored lending
Financial Development, Growth, and the Distribution of Income
Asymmetries of Information and LDC Borrowing with Sovereign Risk
| Unique citing works | 24 |
|---|---|
| Citations per year | 1,2 |
| Citation span | 2006 - 2024 (19) |
| Citation velocity | recent |
| Highly cited | No |
| Citation types | Neutral: 24 |