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dc.contributor.authorBauer, Michalen
dc.contributor.authorChytilová, Julieen
dc.contributor.authorMorduch, Jonathanen
dc.date.accessioned2010-05-04-
dc.date.accessioned2010-07-23T09:31:31Z-
dc.date.available2010-07-23T09:31:31Z-
dc.date.issued2010-
dc.identifier.urihttp://hdl.handle.net/10419/36765-
dc.description.abstractMicrocredit is an innovative financial tool designed to reduce poverty and fix credit market imperfections. We use experimental measures of time discounting and risk aversion for villagers in south India to highlight behavioral features of microcredit. Conditional on borrowing from any source, women with present-biased preferences are more likely than others to borrow through microcredit institutions. Microcredit contracts require loan repayments in regular, fixed installments and they harness peer pressure to encourage discipline. These innovations mirror mechanisms highlighted in behavioral approaches to saving, suggesting that microcredit's popularity stems partly from modes of encouragement and self-discipline absent in typical lending mechanisms.en
dc.language.isoengen
dc.publisher|aInstitute for the Study of Labor (IZA) |cBonnen
dc.relation.ispartofseries|aIZA Discussion Papers |x4901en
dc.subject.jelC93en
dc.subject.jelD91en
dc.subject.jelO12en
dc.subject.ddc330en
dc.subject.keywordTime preferenceen
dc.subject.keywordhyperbolic discountingen
dc.subject.keywordself-controlen
dc.subject.keywordloan contractsen
dc.subject.keywordmicrofinanceen
dc.subject.stwMikrofinanzierungen
dc.subject.stwZeitpräferenzen
dc.subject.stwWirtschaftspsychologieen
dc.subject.stwVerhaltenen
dc.subject.stwLändlicher Raumen
dc.subject.stwKarnatakaen
dc.subject.stwIndienen
dc.titleBehavioral foundations of microcredit: Experimental and survey evidence from rural India-
dc.type|aWorking Paperen
dc.identifier.ppn625193032en
dc.rightshttp://www.econstor.eu/dspace/Nutzungsbedingungenen

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