Microfinance, Endettement Et Surendettement. Une Étude De Cas en Inde Du Sud

Understanding the Diversity and Complexity of Demand for Microfinance Services: Lessons from Informal Finance

“…Our inquiries in Southern India indicate that clients do not think in terms of substitution, but rather multiplication of finance sources (Guérin et al, 2009a(Guérin et al, , 2009b. Before microfinance, households juggled with two or three different options; now they have five, six or even more.…”

An assessment of over-indebtedness among microfinance institutions’ borrowers: The Tanzanian perspective

“…There is no agreement in the literature on the definition of over-indebtedness and the best way to quantify it (Betti et al, 2007;Guérin et al, 2009). Many definitions of over-indebtedness in the literature appear to focus on how borrowers struggle to repay their loan (e.g., Bańkowska et al, 2015;Bourova et al, 2019;D'Alessio & Iezzi, 2016).…”

“…This study adopts a definition of over-indebtedness that is generally utilized in the literature as suggested by Brett (2006): A microfinance institutions' borrower is over-indebted if he/she is persistently struggling to fulfill reimbursement deadlines, and needs to make high sacrifices related to his/her loan obligations that have more than short-lived impacts (Brett, 2006): This definition depends on the idea that, if loans aggravate borrowers, as the sacrifices surpass the advantages, at that point these loans can cause over-indebtedness. Accordingly, following previous research on over-indebtedness (e.g., Betti et al, 2007;Guérin et al, 2009;Schicks, 2013), this study used subjective approach to identify an over-indebted borrower based on the sacrifices made related to his/her loan obligations. The sacrifices included in this study to identify an over-indebted borrower are: whether a borrower is in arrears, sell or pawn assets to repay the loans, does not afford medical expenses, enough food for the family, and the cost of education for the children (Betti et al, 2007).…”

Chercher ensemble : les défis et les cahots de l’interdisciplinarité, des méthodes mixtes et des partenariats multiples (Rume)

“…Sur le terrain indien, l'analyse statistique descriptive a permis de donner des ordres de grandeur à certaines tendances observées par des études de cas et de l'observation participante, par exemple le dénombrement des relations de clientèle (c'est-à-dire le fait que la relation de dette s'accompagne d'autres services offerts par le prêteur et/ou l'emprunteur) et le rôle significatif de la caste dans l'acte de prêt ou d'emprunt (Guérin, Roesch, Michiels et Venkatasubramanian 2012). Inversement, le comptage nous a amené à nuancer certaines hypothèses et à poser des questions nouvelles.…”