Please use this identifier to cite or link to this item: https://repository.iimb.ac.in/handle/123456789/370
Title: Microfinance in India: Small, Ostensibly rigid and safe
Authors: Kamath, Rajalaxmi 
Srinivasan, R 
Keywords: Microfinance;Multiple borrowing
Issue Date: 2009
Publisher: Indian Institute of Management Bangalore
Series/Report no.: IIMB Working Paper-288
Abstract: Grameen replicators in India, using a for-profit Non-Banking Finance Company legal form, have grown rapidly in terms of client numbers. Loan sizes are relatively small compared to per capita income, while portfolio quality was until recently very high. There is evidence in field of multiple borrowing, with clients borrowing simultaneously from multiple sources including micro-finance institutions. We build a model of the microfinance sector that explains why such multiple borrowings result optimally in small loan sizes and high portfolio quality.
URI: http://repository.iimb.ac.in/handle/123456789/370
Appears in Collections:2009

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