Is Rationing in the Microfinance Sector Determined by the Microfinance Type? Evidence from Ghana

47 Pages Posted: 27 Apr 2015

See all articles by Luis Diaz-Serrano

Luis Diaz-Serrano

Rovira i Virgili University; IZA Institute of Labor Economics

Frank Sackey

Rovira i Virgili University

Abstract

This study sets out to examine the extent to which access to credit and credit rationing are influenced by the microfinance type based on the major factors determining micro, small and medium enterprises' access to credit from microfinance institutions in the era of financial liberalization. The data for the study were gleaned from fourteen microfinance institutions' credit and loan records consisting of borrowers and credit characteristics. Our results are puzzling and show that credit rationing is not influenced by the microfinance types but by the individual microfinance institutions.

Keywords: microfinance, Ghana, credit rationing

JEL Classification: G21

Suggested Citation

Diaz-Serrano, Luis and Sackey, Frank, Is Rationing in the Microfinance Sector Determined by the Microfinance Type? Evidence from Ghana. IZA Discussion Paper No. 8999, Available at SSRN: https://ssrn.com/abstract=2598939 or http://dx.doi.org/10.2139/ssrn.2598939

Luis Diaz-Serrano (Contact Author)

Rovira i Virgili University ( email )

Campus Sescelades, Carretera de Valls s/n
43006 Tarragona, Tarragona 43007
Spain

IZA Institute of Labor Economics

Schaumburg-Lippe-Str. 7 / 9
Bonn, D-53072
Germany

Frank Sackey

Rovira i Virgili University ( email )

Campus Sescelades, Carretera de Valls s/n
43006 Tarragona, Tarragona 43007
Spain

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