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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:2007
Series/Report no.:Discussion papers // German Institute for Economic Research 715
Abstract:This paper explores the use of informal credit as a strategy for managing risks by market women in northern Ghana. A broad concept of the costs of risk management strategies is introduced and encompasses both a time and monetary dimension. Based on qualitative data, the analysis reveals that market women invest a considerable amount of time in maintaining complex networks of informal credit providers to insure their access to credit once a shock occurs. Informal credit involves high transaction costs and prevents market women from growing out of poverty in the long term.
Subjects:Africa
Ghana
informal finance
coping strategies
intra-household allocation
women
JEL:O12
O17
D13
Document Type:Working Paper
Appears in Collections:DIW-Diskussionspapiere
Publikationen von Forscherinnen und Forschern des DIW

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