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2010 Fiscal Year Final Research Report

Research on Microcredit Using Field Experiments : Lending Maturity and Group Lending

Research Project

  • PDF
Project/Area Number 20730198
Research Category

Grant-in-Aid for Young Scientists (B)

Allocation TypeSingle-year Grants
Research Field Economic policy
Research Institution日本貿易振興機構アジア経済研究所 (2010)
Institute of Developing Economies, Japan External Trade Organization (2008-2009)

Principal Investigator

KONO Hisaki  日本貿易振興機構アジア経済研究所, 研究員 (40450548)

Project Period (FY) 2008 – 2010
Keywords経済発展
Research Abstract

We show that because of the short maturity of microcredit, the introduction of microcredit can increase the borrowing amount from the moneylender, and the expansion of the maturity can substantially decrease the dependence on the moneylender. Our experimental evidence suggests that the group lending suffers from strategic default more than the individual lending, and the past behavior plays an important role in the group lending. Our experiment on microinsurance shows that providing opportunities to choose one of two insurance will achieve higher uptake rate than just selling one insurance policy, that the uncovered negative shock in the last period increases the uptake rate in the current period, and that framing on income distribution dos not affect the uptake decision. We also show that in the intrahousehold resource allocation, the household fails in implementing an effective commitment mechanism against the present bias problem, and time consistent wives whose husbands are present-biased are more likely to join ROSCA, a commitment mechanism outside the household, to protect the household resources.

  • Research Products

    (11 results)

All 2011 Other

All Journal Article (3 results) (of which Peer Reviewed: 2 results) Presentation (3 results) Book (2 results) Remarks (3 results)

  • [Journal Article] Microfinance Revolution : Its Effects, Innovations, and Challenges

    • Author(s)
      Kono, Hisaki, Kazushi Takahashi
    • Journal Title

      Developing Economies 48(1)

      Pages: 15-73

    • Peer Reviewed
  • [Journal Article] マイクロファイナンスの現状と課題-貧困層へのインパクトとプログラム・デザイン

    • Author(s)
      高野久紀・高橋和志
    • Journal Title

      アジア経済 第52巻6号

      Pages: 38-76

    • Peer Reviewed
  • [Journal Article] マイクロ保険の挑戦.貧困層をリスクから守る試み

    • Author(s)
      高野久紀
    • Journal Title

      アジ研ワールドトレンド 第167号

      Pages: 16-19

  • [Presentation] Microcredit Games with Face-to-face Decision Making and Noisy Signals : Experimental Evidence from Vietnam2011

    • Author(s)
      Kono, Hisaki
    • Organizer
      国際開発学会2011年春季大会
    • Year and Date
      20110600
  • [Presentation] Marriage as Saving Commitment Device? : Experimental Evidence from Vietnam2011

    • Author(s)
      Kono, Hisaki, Ayako Matsuda, Takeshi Murooka, Tomomi Tanaka
    • Organizer
      Pacific Conference for Development Economics 2011 (UC Berkeley)
    • Year and Date
      20110300
  • [Presentation] Marriage as Saving Commitment Device? : Experimental Evidence from Vietnam2011

    • Author(s)
      Kono, Hisaki, Ayako Matsuda, Takeshi Murooka, Tomomi Tanaka
    • Organizer
      Harvard University Lunch Seminar
    • Year and Date
      20110200
  • [Book] 岩波ジュニア新書2011

    • Author(s)
      高野久紀
    • Publisher
      「マイクロファイナンス-貧困層にこそ金融サービスを」高橋和志、山形辰史編著『国際協力ってなんだろう-現場に生きる開発経済学』
  • [Book] The Economics of East Asian Integration, Edward Elgar, Forthcoming.

    • Author(s)
      Kono, Hisaki
    • Publisher
      Economic Integration and Poverty in book edited by M. Fujita, I. Kuroiwa, and S. Kumagai
  • [Remarks] 以下のWorking Paperをに掲載

    • URL

      http://sites.google.com/site/hisakikono/home/research

  • [Remarks] Kono, Hisaki."Loan Maturity of Microcredit and Demand for Moneylenders."

  • [Remarks] Kono, Hisaki."How can we increase insurance uptake? Evidence from a Framed Field Experiment in Vietnam."

URL: 

Published: 2012-02-13   Modified: 2016-04-21  

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