Microfinance and Moneylender Interest Rate: Evidence from Bangladesh

Mallick, Debdulal

doi:10.1016/j.worlddev.2011.12.011

Cited by 103 publications

(68 citation statements)

References 24 publications

(21 reference statements)

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“…at very high interest rates. The moneylender's interest rate varies considerably with a mean of 103.3% with minimum 10% and maximum 240% (Mallick, 2009). The highest percentage of soybean (38.9%) and groundnut farmers (25.9%) expressed this as a major problem (Table 1).…”

Section: Lack Of Cash and Access To Financial Institutionsmentioning

confidence: 99%

Oilseeds sector of Bangladesh: challenges and opportunities

Miah

Mondal

2017

SAARC J Agric

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The imports of edible oils and oilseeds are increasing year after year to fulfill the increasing demand of Bangladesh. Appropriate policy measures are needed to increase oilseed production. Therefore, an in-depth investigation was carried out to assess the challenges and opportunities in the oilseeds sector of Bangladesh. The study analyzes data generated from a sample of 1980 households spread over 11 oilseed growing districts. In addition, eleven focus group discussions (FGDs) were also conducted. The study shows that there are ample opportunities to increase both area and productivity of oilseeds because of availability of short-duration improved varieties and suitable agro-climatic conditions. Also at the production and post-harvest processing levels, there is some potential for mechanical interventions that might add to the current oilseed production processes, and allow farmers to earn more from oilseed cultivation. There are also challenges such as climate variability, competition with other crops for scarce resources, and high infestation of insects & diseases.

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Section: Lack Of Cash and Access To Financial Institutionsmentioning

confidence: 99%

Oilseeds sector of Bangladesh: challenges and opportunities

Miah

Mondal

2017

SAARC J Agric

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“…The particular analysis of the impact of macroeconomic factors on the interest rate policy of the MFIs was performed by e.g. Ahlin et al (2011), Mallick (2012 or Roberts (2013). However, their research used different proxy variables or focused on a specific sub-group (only the selected macroeconomic variable, state, etc.).…”

Section: Discussionmentioning

confidence: 99%

Macroeconomic factors influencing interest rates of microfinance institutions in the Latin America and the Caribbean

Janda¹,

Zetek²

2014

AGR ECON-CZECH

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Agricultural output in developing countries still represents a substantial part of the GDP. Th is ratio has actually increased in some areas such as the Latin America. As such, there is an increasing importance of microfi nance institutions (MFIs) focusing on the activities associated with agriculture and encouraging entrepreneurship in agriculture and in the rural communities in general. Th e contribution of microfi nance institutions consists mainly in providing special-purpose loans, usually without collateral. However, questions exist as to the magnitude and the adequate level of risk of providing micro-credit loans in relation to the interest rates being charged. We review two main approaches to setting interest rates in the MFIs. One approach takes the view that interest rates should be set at a high level due to the excessive risk that these institutions undertake. Th e second approach is to convince the public of the possibility of reducing these rates through cost savings, increased effi ciency, and sharing best practice, etc. Subsequently we econometrically analyse the impact of macroeconomic factors on the microfi nance interest rates in Latin America and the Caribbean. We show that these results depend on the chosen indicator of interest rate.

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“…In addition, Rabobank participates through its different departments in international platforms and partnerships concerning the challenge of economic development in developing countries. Mallick (2009) found that moneylender interest rates go up with the percentage of households borrowing from Micro Financial Institutes (MFIs). Productive investment of loan lowers moneylender interest rates.…”

Section: Literature Reviewmentioning

confidence: 99%

Testing Hypothesis on Theory of Social Networking, Community Banking and Empowerment of People: A Conceptual View

Ali¹

2017

PBS

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Abstract:Poor and underprivileged people should come under the banking system so that equitable distribution and social justice can be achieved. Informal sector is playing vital role than formal sector of the country. Micro savings should under the working purview of the micro investment for which social networking and community banking is needed. Research question of the sturdy is whether social networking and community banking can transform micro savings to micro investment? The theory was developed for considering financial inclusion, to attain equitable distribution and social justice. A theory was developed by Ali (2016) which need to be tested. The theory was also interlinked with some goals of Sustainable development goal. The theory which is in a process of development by Muhammad Mahboob Ali on Social networking, community banking and empowerment of people may be empirically tested in different countries of the world and also at Bangladesh by various researchers to give a structural formation, cost-benefit analysis, shadow pricing, validation and reliability of the theory in the real life situation both global and domestic perspectives with a request to inform the result to the author. Macroeconomic effect on the economy will be optimistic concluded arranging community banking which will work as financial intermediate between micro savings and micro investment.

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Microfinance and Moneylender Interest Rate: Evidence from Bangladesh

Cited by 103 publications

References 24 publications

Oilseeds sector of Bangladesh: challenges and opportunities

Oilseeds sector of Bangladesh: challenges and opportunities

Macroeconomic factors influencing interest rates of microfinance institutions in the Latin America and the Caribbean

Testing Hypothesis on Theory of Social Networking, Community Banking and Empowerment of People: A Conceptual View

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