Microfinance and credit rationing: does the microfinance type matter?

References

• Adjei, J. K. 2010. Microfinance and Poverty Reduction: The Experience of Ghana. Accra: Bold Communications Limited.
   Google Scholar
• Ahiawodzi, A. K., and F. G. Sackey. 2010. “Determinants of Credit Rationing to the Private Sector in Ghana.” African Journal of Business and Management 7 (38): 3864–3874.
   Google Scholar
• Akoten, J. E., Y. Sawada, and K. Otsuka. 2006. “The Determinants of Credit Access and its Impacts on Micro and Small Enterprises: The Case of Garment Producers in Kenya.” Economic Development and Cultural Change 54 (4): 924–944. doi: 10.1086/503585
   Google Scholar
• Ana, K., and E. Roberto. 2011. “Credit Rationing in Financial Distress: Croatia SMEs Finance Approach.” International Journal of Law and Management 53 (1): 62–84.
   Google Scholar
• Aquire, S. M., and T. Prosser. 2011. Micro Credit Strategies and Funding: Lending to Sustainable Development? Financial Institutions for the Rural Poor in Bangladesh: An Institutional- and Household-Level Analysis. Washington, DC: International Food and Policy Research Institute (IFPRI).
   Google Scholar
• Armstrong, A., P. E. Davis, L. Liadze, and C. Rienzo. 2013. Evaluating Changes in Banking Lending to UK SMEs Over 2001-12. Ongoing Tight Credit? London: Department for Business and Innovation and Skills.
   Google Scholar
• Aryeetey, E. 2000. Economic Reforms in Ghana: The Miracle and the Mirage. Accra: Woeli Publishing Services.
   Google Scholar
• Atieno, R. 2001. Formal and Informal Institutions’ Lending Policies and Access to Credit BySmall –Scale Entrepreneurs in Kenya: An Empirical Assessment. Nairobi, Kenya: African Economic Research Consortium.
   Google Scholar
• Atzeni, G., and C. Piga. 2005. R&D Investment, Credit Rationing and Sample Selection. Chicago: International Industrial Organization Society Conference.
   Google Scholar
• Ayayi, A. 2012. “Credit Risk Assessment in the Microfiance Industry: An Application to a Selected Group of Vietnamese Microfinance Institutions and an Extension to East Asia and Pacific MFI.” The Economies of Transitions 20 (1): 37–72. doi: 10.1111/j.1468-0351.2011.00429.x
   Google Scholar
• Ayeh, O. R. 2012. Comprehensive Microfinance in Ghana: A Hope for the Poor. Accra: Dots Concept Limited.
   Google Scholar
• Bank of Ghana. 2012. Register of Microfinance as at October 2012. www.bog.gov.gh/privatecontent/Banking_Supervision/registerofmicrofinanceinstitutionsasofOctober2012.pdf
   Google Scholar
• Becheti, L., M. Melody Garcia, and G. Giovanni Trovato. 2009. “Credit Rationing and Credit View: Empirical Evidence From Loan Date.” Credit for Economic and International Studies Research Paper Series 17 (2144): 206–227.
   Google Scholar
• Berger, A. N., and F. G. Udell. 1999. Some Evidences on the Empirical Significance of Credit Rationing. Faculty Publication No.10-1-1992. Columbia: University of South Carolina.
   Google Scholar
• Bester, H. 1985. “Screening vs. Rationing in Credit Markets with Imperfect Information.” American Economic Review 75: 850–55.
   Google Scholar
• Blumberg, B. F., and W. A. Latterie. 2008. “Business Starters and Credit Rationing.” Small Business Economics 30: 187–200. doi: 10.1007/s11187-006-9030-1
   Google Scholar
• Boot, A. W. A., and A. V. Thakor. 1989. Dynamic Equilibrium in a Competitive Credit Market: Intertemporal Contracting as Insurance Against Rationing. Working Paper. Bloomington: Indiana Univ.
   Google Scholar
• Brau, J. and Woller, G.M. (2004). Microfinance: A Comprehensive Review of the Existing Literature. Journal of Entrepreneural Finance and Business Venture, l9, 1, 1–26
   Google Scholar
• Carbo-Valverde, S., H. Degryse, and F. Rodriguez-Fernandes. 2011. Lending Relationships and Credit Rating: The Impact of Securitization. 24th Australian Finance and Banking Conference Paper.
   Google Scholar
• Chakravarty, S. 2002. Relationship and Rationing in Consumer Loans: “Evidence From the Nineties”. Purdue University of Economics Working Papers 1153. West Lafayette: Purdue University. Department of Economics.
   Google Scholar
• Chakravarty, S., and Z. S. Abu. 2010. Relationship Banking in Micro Credit: Evidence From Bangladesh. West Lafayette: Purdue University.
   Google Scholar
• Chan, Y., and G. Kanatas. 1985. “Asymmetric Valuations and the Role of Collateral in Loan Agreements.” Journal of Money, Credit and Banking 17 (1): 84–95. doi: 10.2307/1992508
   Google Scholar
• Doan, T. T. 2010. Impacts of Household Credit on the Poor in Peri-Urban Areas of Ho Chi Minh. Vietnam: University of Waikato Research Commons. http://researchcommons.waikato.ac.nz/handle/10289/5165
   Google Scholar
• Ghana Microfinance Network (GHAMFIN). 2011. Performance Benchmarks of Microfinance Institutions in Ghana, Accra.
   Google Scholar
• Hardy, D. C., P. Holden, and v. Prokopenko. 2002. Microfinance Institutions and Public Policy. IMF Working Paper, wp/02/159. Washington, DC.
   Google Scholar
• Jaffee, D. M., and R. Thomas. 1976. “‘Imperfect Information Uncertainty and Credit Rationing’.” Quarterly Journal of Economics 90: 651–66. doi: 10.2307/1885327
   Google Scholar
• Jimenez, G., and J. Saurina. 2003. Collateral, Type of Lender and Relationship Banking as Determinants of Credit Risk. Madrid: Bank of Spain.
   Google Scholar
• Kedir, A. 2000. “Determinants of Access to Credit and Loan Amount: Household Evidence From Urban Ethiopia.” Proceedings of the international conference on development studies in Ethiopia, July 2003. Adis Ababa, Ethiopia.
   Google Scholar
• Lapar, M. L. A., and D. H. Graham. 1988. Credit Rationing Under a Deregulated Financial System. Working Paper Series No. 88–19. Makati City.
   Google Scholar
• Lawal, J. O., B. T. Monona, O. I. Y. Adjani, and O. A. Joni. 2009. “Determinants of Constraints to Credit Access among Cocoa Farming Households in Osun State Nigeria.” Pakistan Journal of Social Sciences 6 (3): 159–163.
   Google Scholar
• McKinnon, R. I. 1973. Money and Capital in Economic Development. Washington, DC: The Bookings Institute.
   Google Scholar
• Microfinance Information Exchange Inc (MIX). 2012. Report, 2012.
   Google Scholar
• Murdoch, J. 2000. “The Microfinance Schism.” World Development 28 (4): 617–629. doi: 10.1016/S0305-750X(99)00151-5
   Google Scholar
• Nguyen, C. H. 2007. Determinants of Credit Participation and its Impact on Household Consumption: Evidence From Rural Vietnam. CERT Discussion Paper 0703. Edinburgh: Centre for Economic Reform and Transformation, Heriot Watt University.
   Google Scholar
• Normito, R. Z. Jr. 2006. “Credit Decision and Rationing Rules: A Study of Informal lenders in the Philipines.” Philipines Management Review 13: 117–126.
   Google Scholar
• Nuryartono, N., S. Schwarze, and M. Zeller. 2005. “Credit.” Rationing of farm households and agricultural production: empirical evidence in the rural areas of central sulawesi province of indonessia, Conference on International Agricultural Research for Development, Tropentag.
   Google Scholar
• Okerenta, S. I., and J. S. Orebiyi. 2005. “Determinant of Agricultural Credit Supply to Farmers in the Nigeria Delta Area of Nigeria.” Journal of Agriculture and Social Research 5 (1): 67–72.
   Google Scholar
• Peprah, J. A., and A. G. Ayayi. 2016. “Return to Micro-credit on Small-Scale Businessess: Acase Study of the Ghanaian MFI.” Journal of International Development 28 (4): 606–622. doi: 10.1002/jid.3139
   Google Scholar
• Petrick, M. 2005. “A Microeconometric Analysis of Credit Rationing in the Polish Farm Sector.” European Review of Agricultural Economics 31 (1): 77–101. doi: 10.1093/erae/31.1.77
   Google Scholar
• Rahji, M. A. Y., and S. B. Fakayode. 2009. “A Multinomial Logit Analysis of Agricultural Credit Rationing by Commercial Banks in Nigeria.” International Research Journal of Finance and Economics (24): 90–99.
   Google Scholar
• Republic of Ghana. Ghana Microfinance Policy. 2006. Accra, Ghana.
   Google Scholar
• Riley, J. 1987. An Introduction to the Theory of Contests. No . 469, UCLA Economics Working Papers. UCL Department of Economics.
   Google Scholar
• Schmidt, R. H., and E. Kropp. 1987. ‘Rural Finance Guiding Principles’, GTZ, Eschborn.
   Google Scholar
• Shaw, E. S. 1973. Financial Deepening and Economic Development. Oxford: Oxford University Press.
   Google Scholar
• Sopfianos, G., P. Wachtel, and A. Melnik. 1990. “Loan Commitments and Monetary Policy.” Journal of Banking and Finance 14 (4): 677–689. doi: 10.1016/0378-4266(90)90070-I
   Google Scholar
• Steijvers, T. 2008. Existence of Credit Rationing for SME’s in the Belgian Corporate Bank Loan Market. SSRN: http://ssrn.com/abstract = 495162 or http://dx.doi.org/10.2139/ssrn.495162
   Google Scholar
• Stiglitz, J. E., and A. Weiss. 1981. “Credit Ration in Markets with Imperfect Information.” American Economic Review 71 (3): 393–410.
   Google Scholar
• Stiglitz, J. E., and A. Weiss. 1987. “Credit Rationing: Reply.” The American Economic Review 77 (1): 228–231.
   Google Scholar
• Subbotin, A. 2005. “Determinant of Credit Rationing for Corporate Farms in Russia.” European annunciation of agriculture economics, X1th. Congress Copenhagen Denmark.
   Google Scholar
• Von Pischke, J. D. 2008. “Ghnadi vs Gauss.” Ethical Issues in Micro and Small Business Finance 32 (3): 127–152.
   Google Scholar
• Zeller, M. 1994. “Determinants of Credit Rationing: A Study of Informal Lenders and Formal Credit Groups in Madagascar.” World Development Report 22 (12): 47–60.
   Google Scholar
• Zeller, M., and L. R. Meyer. 2002. The Triangle of Microfinance- Financial Sustainability, Outreach and Impact. Maryland: IFPRI, Washington & The Johns Hopkins University Press.
   Google Scholar