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Title:Credit for what? Informal credit as a coping strategy of market women in northern Ghana PDF Logo
Authors:Schindler, Kati
Issue Date:2006
Series/Report no.:Proceedings of the German Development Economics Conference, Berlin 2006 / Verein für Socialpolitik, Research Committee Development Economics 24
Abstract:This paper analyzes the use of informal credit as a coping strategy against risk by market women in the city of Tamale, Ghana. Using qualitative research techniques, the analysis reveals that intra-household structure and allocation decisions determine these market-based coping strategies. Market women invest a considerable amount of working hours in maintaining complex credit networks as a safeguard against extreme risks. As a policy implication, this research suggests to provide market women with access to formal, reliable and long-term microfinance institutions, both to improve their ability to cope with risks and to reduce the risks they face.
Subjects:micro-credit
informal markets
networks
coping strategies
intra-household allocation
women
Ghana
JEL:O17
D13
O12
Document Type:Working Paper
Appears in Collections:Proceedings of the German Development Economics Conference, 2006 (Berlin)

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