Will more credit increase interest rates in rural Nepal?
We test two alternative models of interest rates determination in informal rural credit markets, using LSMS data from Nepal. We find strong support for a capacity-constrained collusive oligopoly model with full information about actual borrowers that supports heterogeneous interest rates. We find only marginal support for a competitive cost-pricing model with imperfect information. Price discrimination depends on the observable characteristics; caste, installment period and geographical region. Interest rates decrease as village lending capacity increases up to a certain level of capacity. Interest rates do not depend on risk related variables such as land value and loan size.
Interim Governance Arrangements in Post-Conflict and Fragile Settings
Incubating change-makers. Youth-driven innovative approaches to accountability in Nepal
Jenny Bentley, Saul Mullard
Social accountability and water integrity: Learning from experiences with participatory and transparent budgeting in Ethiopia and Nepal
Birke Otto, Floriane Clement, Binayak Das, Hari Dhungana, Lotte Feuerstein, Girma Senbeta, Jasmina Van Driel
Factors influencing the use of reproductive health care services among married adolescent girls in Dang District, Nepal: a qualitative study
Binita Maharjan, Poonam Rishal and Joar Svanemyr
BMC Pregnancy and Childbirth
Understanding Inequality Within Households
Ingvild Almås, Charlotte Ringdal and Ingrid Hoem Sjursen
Handbook of Labor, Human Resources and Population Economics
Depression and labor supply: Evidence from the Netherlands
Charlotte Ringdal, Frank Rootjes
Journal of Economics and Human Biology