An analysis of offer functions of banks and credit unions in Guatemala

David W. Mushinski

78 citations0/0 files storedThe Journal of Development Studies

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Microfinance and Financial Inclusion Banking stability, regulation, efficiency Banking Systems and Strategies

Abstract

Economists have sought to identify institutions which might fill the gap in household access to credit arising from rationing by formal lenders. Credit unions have been identified as institutions which might use informational and monitoring advantages to fill that gap. Using information on household perceptions of their access to credit, this article analyses the impact of certain credit unions on the access to credit of households in Guatemala. Regression results indicate that credit unions serve markets unserved by formal lenders and that information on household perceptions of their access to credit is important in making inferences about lender lending activities.

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References

1983Limited-dependent and qualitative variables in econometrics 1981Credit Rationing in Markets with Imperfect Information 1994Qualitative Response Models: A Survey 1990Peer Monitoring and Credit Markets 1995Group lending, repayment incentives and social collateral 1987Collateral and Rationing: Sorting Equilibria in Monopolistic and Competitive Credit Markets 1990Who is Credit Constrained in the U. S. Economy?1994Thy Neighbor's Keeper: The Design of a Credit Cooperative with Theory and a Test

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