Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/187273 
Authors: 
Year of Publication: 
1994
Series/Report no.: 
PIDS Discussion Paper Series No. 1994-23
Publisher: 
Philippine Institute for Development Studies (PIDS), Makati City
Abstract: 
The formal credit market has rationed out small-scale farmers due to asymmetry of information. Hence, interlinking of markets is observed. In this arrangement, traders become lenders to farmers due to informational advantages acquired through the years of transactions with each other. This research reports the two-phase survey results in the provinces of Bohol and Iloilo. In particular, this comprehensively describes the trader-farmer interlinked arrangements to determine the duration of the loans, the identity of the lenders, the form of payments, the methods of screening borrowers and the controls implemented to prevent moral hazard.
Subjects: 
rural credit
interest rate
collateral
credit program
interlinked markets
rural sector
borrowing behavior
forward contracts
Document Type: 
Working Paper

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