マイクロファイナンスとインフォーマル信用制度の相互作用について

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タイトル別名
  • Trade-off between Formal and Informal Financial Institutions: A Case Study from Rural Cambodia
  • マイクロファイナンスとインフォーマル信用制度の相互作用について : カンボジア農村の事例より
  • マイクロファイナンス ト インフォーマル シンヨウ セイド ノ ソウゴ サヨウ ニ ツイテ : カンボジア ノウソン ノ ジレイ ヨリ
  • ―カンボジア農村の事例より―

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抄録

Formal financial institutions for poverty alleviation may have negative impacts on the viability of existing informal financial institutions. Conversely, the existence of informal institutions may mitigate the effect of formal institutions on poverty alleviation. This paper aims to test these hypotheses for financial institutions in rural Cambodia. We examine the dynamic changes in borrowing from formal and informal institutions using a panel data of households. We also investigate whether borrowing from micro-finance institutions has a significant effect on borrowing and receiving gifts of money from relatives and friends and vice versa by applying an econometric model to the cross-sectional data of households. The results of the analyses imply that although a trade-off relationship between the borrowings from formal and informal institutions exists, it is relatively small, and the increase of borrowings from both sources offsets the negative impact by a wide margin.

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