The use of village agents in rural credit delivery
Using a simple principal-agent model this article examines the incentive problems that arise when a formal financial institution (such as a rural bank) utilises a member of the rural community to act as an agent in screening potential borrowers and collecting repayment. Optimal compensation schemes...
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| Veröffentlicht in: | The Journal of development studies 1996-12, Vol.33 (2), p.188-209 |
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| container_title | The Journal of development studies |
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| creator | Fuentes, Gabriel A. |
| description | Using a simple principal-agent model this article examines the incentive problems that arise when a formal financial institution (such as a rural bank) utilises a member of the rural community to act as an agent in screening potential borrowers and collecting repayment. Optimal compensation schemes are derived for the agent and their implications are discussed. In addition, I show that the norms and rules that govern village life may aid the financial institution by helping to constrain possible strategic behaviour by the agent. |
| doi_str_mv | 10.1080/00220389608422462 |
| format | Article |
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| fulltext | fulltext |
| identifier | ISSN: 0022-0388 |
| ispartof | The Journal of development studies, 1996-12, Vol.33 (2), p.188-209 |
| issn | 0022-0388 1743-9140 |
| language | eng |
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| source | Applied Social Sciences Index & Abstracts (ASSIA); RePEc; Worldwide Political Science Abstracts; Sociological Abstracts; Periodicals Index Online; EBSCOhost Business Source Complete |
| subjects | Agents Agricultural policy Bangladesh Bank operations Banking Community Involvement Comparison Credit Financial institutions Foreign Affairs Indonesia Loans Mathematical models Residents Rural areas Rural Communities Rural credit Rural Development Rural economics Rural Government Savings and loan associations Screening Small farmers Villages |
| title | The use of village agents in rural credit delivery |
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