nep-mfd New Economics Papers
on Microfinance
Issue of 2017‒09‒17
two papers chosen by
Olivier Dagnelie
Université de Caen

  1. Socially Disadvantaged Groups and Microfinance in India By Jean-Marie Baland; Rohini Somanathan; Lore Vandewalle
  2. La Micro-Assurance a-t-elle une place en France ? By Dominique Abgrall; Patrick Fosso

  1. By: Jean-Marie Baland (CRED, University of Namur); Rohini Somanathan (Department of Economics, Delhi School of Economics); Lore Vandewalle (The Graduate Institute, Geneva)
    Abstract: About two-thirds of microfinance clients in India are reported to be in Self-Help Groups (SHGs). These mostly women’s groups have been promoted by nationalized banks since the early nineties to improve credit access among especially disadvantaged populations. We study the survival of members and groups and their differential access to credit using a census of SHGs created between 1998 and 2006 in 386 villages in eastern India. Households without land and those from disadvantaged castes and tribes exhibit higher attrition rates and smaller loans but we find the main predictor of differential outcomes is education rather than social identity. Members with formal education receive larger loans and have a 30 per cent lower risk of being separated from their group. Groups with no such members are also four times more likely to become inactive.
    Date: 2017–07
  2. By: Dominique Abgrall (Institut des Actuaires); Patrick Fosso (Institut des Actuaires)
    Abstract: Pourquoi développer de la micro-assurance en France ? Est-ce possible ? Le Groupe de Travail de l'Institut des Actuaires, en parallèle de son travail de veille des projets internationaux de micro-assurance, se penche sur la question de la pertinence du développement de la micro-assurance dans notre pays.
    Keywords: Microinsurance
    Date: 2017–01–01

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