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Collusion and Group Lending with Adverse Selection

, 2000
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Group lending with adverse selection

European Economic Review, 2000
Abstract We focus on adverse selection as a foundation of group lending. In a simple static model we show that there is no collateral effect if borrowers do not know each other. If the borrowers know each other, group lending implements efficient lending.
Laffont, Jean-Jacques, N'Guessan, Tchétché   +1 more
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Group lending and individual lending with strategic default

Journal of Development Economics, 2010
Abstract Papers that compare group lending and individual lending in the presence of strategic default suggest that unless group members can impose costly social sanctions on one another, or unless the bank uses cross-reporting mechanisms group lending may do worse than individual lending.
Bharat Bhole, Sean Ogden
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Is Group Lending a Collateral for Informal Credit?

Progress in Development Studies, 2021
This article explores how participation in microfinance programs affects informal credit conditions. Using data on the rural credit market of Andhra Pradesh, I provide evidence that group lending participants obtain lower interest rates from the informal credit market. This result can be explained by two main factors.
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Group lending, sorting, and risk sharing

Games and Economic Behavior, 2020
zbMATH Open Web Interface contents unavailable due to conflicting licenses.
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Microfinance Beyond Group Lending

Economics of Transition, 2000
Microlending is growing in Eastern Europe, Russia and China as a flexible means of widening access to financial services, both to help alleviate poverty and to encourage private‐sector activity. We describe mechanisms that allow these programmes to successfully penetrate new segments of credit markets.
Beatriz Armendáriz de Aghion, Jonathan Morduch   +1 more
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The role of group size in group lending

Journal of Development Economics, 2015
Abstract This paper explores group size in joint liability lending, primarily in the adverse selection framework with local borrower information. A single, standardized contract that imposes full joint liability subject to a limited liability cap is optimal.
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Group Lending under Costly Group Formation

SSRN Electronic Journal, 2004
The success of joint liability programs depends on nature and composition of borrowing groups. Group formation is a costly process and in our model these costs vary with the social identity of group partners. We show that risk heterogeneity in a borrowing group may arise due to the social identity of the agents.
Prabirendra Chatterjee, Sudipta Sarangi
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Individual Lending versus Group Lending in Microfinance: An analytical Study

Siddhant- A Journal of Decision Making, 2019
Microfinance, over the years, has evolved from the traditional joint liability method to the new innovations such as individual lending and differential banking. Institutes which initially focussed only on production loans are now also attempting to provide consumption loan to the existing and potential customers.
Ashish Chaturvedi, Hari Prapan Sharma
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Kiva.org: The Dynamics of Group Lending

2010
Transforming the world of microfinance, Kiva.org has successfully implemented strategies that powerfully effect human engagement.
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