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Projects | Trip
Reports | Publications | Events
Deepening of Financial Services through Credit-Reporting
Bureaus
Principal Investigators: Alain de Janvry, University of California
- Berkeley; Martin Valdivia, Grupo de Análisis para el Desarrollo
Publications & Outputs | Project
Proposal
Problem & Objective
With the disappearance of
subsidized lending through State Banks and with few private sector
lending institutions willing or able to step in, access to credit
for rural farmers is extremely limited and stands as a significant
hurdle to combating rural poverty. The emergence of credit reporting
systems may be one mechanism that can help the rural poor obtain
formal loans for their agricultural operations and reduce poverty.
Research Context
This project will explore the impact
of emerging credit bureau systems in Guatemala, El Salvador and
Peru. The countries in Latin America are at varying stages of development
of credit reporting systems, allowing for an ideal natural experiment
situation. The researchers will explore, among other things, whether
access to credit would improve if more information were readily
available on the credit histories of borrowers.
Policy Implications
Through this analysis, the researchers
hope to guide best practices in the legal and regulatory formulation
of credit-reporting systems, anticipate how their introduction transforms
access to credit for different classes of borrowers, and also how
they change competitive positions among different providers of rural
credit.
Publications and Outputs
BASIS Briefs | Other
Publications | Trip
Reports
BASIS Briefs
- Better
Lending and Better Clients: Credit Bureau Impact on Microfinance,
by Craig McIntosh, Elisabeth Sadoulet, and Alain de Janvry.
May 2006. 4 pages. (Basis Brief no. 45)
[Adobe Acrobat PDF
73K]
- Up
the Lending Ladder: Extending Financial Services for the Rural
Poor through Credit-Reporting Bureaus, by Alain de
Janvry, Elisabeth Sadoulet, Craig McIntosh, Bruce Wydick,
and Martin Valdivia; in cooperation with Alvaro Trigueros,
Gustavo Gordillo, and Dean Karlan. April 2003, 4 pages. (Basis
Brief no. 16)
[Adobe Acrobat PDF
50K bytes]
Other Publications
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