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How Does Geographic Distance Affect Credit Market Access in Niger? / Pedrosa, Jose
World Bank Open Knowledge Repository (formerly "World Bank E-Library Publications") Available online
View online- Format:
- Book
- Government document
- Author/Creator:
- Pedrosa, José.
- Series:
- Policy research working papers.
- World Bank e-Library.
- Language:
- English
- Subjects (All):
- Access to Finance.
- Access to finance.
- Bankruptcy and Resolution of Financial Distress.
- Credit market.
- Credit market access.
- Debt Markets.
- Finance and Financial Sector Development.
- Financial services.
- Households.
- Interest rates.
- Loan.
- Loan conditions.
- Microfinance.
- Microfinance institutions.
- Local Subjects:
- Access to Finance.
- Access to finance.
- Bankruptcy and Resolution of Financial Distress.
- Credit market.
- Credit market access.
- Debt Markets.
- Finance and Financial Sector Development.
- Financial services.
- Households.
- Interest rates.
- Loan.
- Loan conditions.
- Microfinance.
- Microfinance institutions.
- Physical Description:
- 1 online resource (24 pages)
- Place of Publication:
- Washington, D.C., The World Bank, 2008
- System Details:
- data file
- Summary:
- Distances involved in accessing basic services can constitute a major barrier to development. This paper analyzes the relationship between the distance separating households from microfinance institutions' offices in Niger, and the low levels of development and performance of the microfinance sector in the country. To cope with the effects of geographical distance, microfinance institutions adapt their policies through more restrictive loan conditions, higher interest rates, and more intensive screening. The authors to discuss the tension between access and sustainability in the context of financial services for the poor.
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