Financial services consumption constraints: Empirical evidence from Rwandan rural households

Papias, Malimba Musafiri; Ganesan, P.

doi:10.1057/fsm.2010.11

Cited by 14 publications

(14 citation statements)

References 17 publications

Supporting

Mentioning

Contrasting

Order By: Relevance

“…Contrarily, households with main business in non-farming activities have higher probability of experiencing credit constraints in china (Tang et al 2010). This is in line with the conclusion of Papias and Ganesan (2010) in rural Rwanda, Diagne and Zeller (2001) in Malawi and with those of Zeller (1994) in Madagascar, but dis agreed with the findings of Omonona et al (2008) in Nigeria and Kochar (1997) in India.…”

Section: Review Of Empirical Literaturesupporting

confidence: 86%

“…Additionally, studies by Nguyen and Luu (2013) and Li et al (2013) in China indicated that social capital has a significant impact on the activities in the credit market. In the same vein, studies found that the higher the distance from the lending agencies the lesser the amount of credit supply (Akudugu 2013; Godquin and Sharma 2005;Papias and Ganesan 2010). This is because, the further away from the lending agencies, the higher the costs of transaction (Akpan et al 2013;Ejaz and Khan 2011;Shoji et al 2012).…”

Section: Review Of Empirical Literaturementioning

confidence: 97%

See 1 more Smart Citation

A micro-level analysis of the intensity of agricultural finance supply in Nigeria: empirical evidence

Kofarmata

Danlami

2020

SN Bus Econ

View full text Add to dashboard Cite

Agricultural credit provides access to all other resources, which may lead to remarkable improvement in agricultural productivity. This study aims to model the determinants of credit supplied to farmers by microfinance banks. A total of 835 households and 45 microfinance banks were utilized as the samples of the study. The result of the Tobit model shows that the entrepreneurial ability of the farmers, having an account with the bank, profits from loan and the number of marketing staff of the banks have positive impacts on loan supply. Contrarily, the higher the distance of customers from the banks, the lower the intensity of loan supply. The study recommends that pro-poor credit policies are required for the establishment of new agencies and financial institutions devoted to agricultural sector. Such financial agencies should be established closer to farmers especially those in remote areas. Moreover, policies should focus on rural development through the activities that could generate off-seasonal employment.

show abstract

Section: Review Of Empirical Literaturesupporting

confidence: 86%

Section: Review Of Empirical Literaturementioning

confidence: 97%

A micro-level analysis of the intensity of agricultural finance supply in Nigeria: empirical evidence

Kofarmata

Danlami

2020

SN Bus Econ

View full text Add to dashboard Cite

show abstract

“…The final impact of household size on credit constraint, therefore, depends on the balance between farm production and consumption expenditure. In particular, if the household has more children, credit constraint will be more likely because of the assumption that expenditure will increase whilst production will decrease [33,34].…”

Section: Factors Affecting Credit Constraint From Formal Credit Sourcesmentioning

confidence: 99%

“…Married borrowers are generally seen as more stable and trustworthy to lenders, compared to single borrowers. Thus, they are less likely to be credit constrained [33].…”

Section: Factors Affecting Credit Constraint From Formal Credit Sourcesmentioning

confidence: 99%

Rural Credit Constraint and Informal Rural Credit Accessibility in China

et al. 2019

View full text Add to dashboard Cite

This paper investigates the effects of rural households’ demographic characteristics on formal credit constraint, and explores the relationship between informal and formal lending in rural China. Using 2013 China’s Household Finance survey data, the authors apply probit regression models to investigate the effects of demographic factors on formal credit constraint and the household’s decision to borrow from informal credit sources. In addition, the endogenous switching regression model is applied to evaluate the impact of credit constraint on the welfare of rural farm households. The empirical evidence confirms that age, family size, annual household nonagricultural income, level of education, and history of informal borrowing have significant influence over credit constraint. Moreover, annual household nonagricultural income, the presence of children, borrowing from social networks and monthly communication expenses significantly impact rural households’ decision to utilise informal borrowing. Results from the endogenous switching regression model suggest that credit constraint by formal credit sources has no impact on household consumption.

show abstract

“…Literature on informal financing markets cover a wide range of aspects such as the determinants of credit facility constraints for the poor (Papias and Ganesan, ), the impact of structural adjustment programmes in creating parallel markets in the informal financial sector (Steel et al , ), access to finance (Bolnick, ; Townsend, ) and international regulation of the market (Helleiner and Pagliari, ). This illustrates the level of attention historically given to financial services above other economic sectors such as real estate in the informal sector.…”

Section: Urban Form Hybrid Housing and Property Valuesmentioning

confidence: 99%

Undervaluation of Real Estate Properties in Disadvantaged Areas in the City of Johannesburg

Mohale¹,

Geyer

2015

South African J Economics

View full text Add to dashboard Cite

Since the end of apartheid, the growth of the real estate market in the historically disadvantaged residential areas of South African cities has been quite remarkable. Transactions in this property market, which can take on several forms of exchange of ownership or occupation, in many respects defy de Soto's definition of dead capital. Yet, despite this booming market, large parts of these residential areas are still regarded by local government as having no capital value. Although the titling of properties cannot be regarded as the only or even the main immediate solution to alleviating poverty within these communities, it certainly presents a real and immediate potential opportunity to many of them. This paper attempts to determine the potential size of this market. It starts with perspectives on land values, the property market and the titling of informal properties and examines different methods used in the evaluation of properties both in the formal and informal residential sectors. Drawing on empirical literature and research findings, the paper makes an attempt at establishing the form and value of what is regarded as the degree of undervaluation of real estate capital by the local authority. JEL Classification: R31

show abstract

Financial services consumption constraints: Empirical evidence from Rwandan rural households

Cited by 14 publications

References 17 publications

A micro-level analysis of the intensity of agricultural finance supply in Nigeria: empirical evidence

A micro-level analysis of the intensity of agricultural finance supply in Nigeria: empirical evidence

Rural Credit Constraint and Informal Rural Credit Accessibility in China

Undervaluation of Real Estate Properties in Disadvantaged Areas in the City of Johannesburg

Contact Info

Product

Resources

About