Factors impeding credit use in small-farm households in Bolivia
Sample survey data show few Bolivian small-farm households using credit, but most would like to borrow from formal market institutions. A theoretical framework is developed to formulate testable hypotheses to identify factors that inhibit credit use. Major impediments to borrowing are scale of opera...
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| Veröffentlicht in: | The Journal of development studies 1983-07, Vol.19 (4), p.522-538 |
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| container_title | The Journal of development studies |
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| creator | Miller, Calvin J. Ladman, Jerry R. |
| description | Sample survey data show few Bolivian small-farm households using credit, but most would like to borrow from formal market institutions. A theoretical framework is developed to formulate testable hypotheses to identify factors that inhibit credit use. Major impediments to borrowing are scale of operations, as measured by amount of useable land, and borrower's transactions costs that arise from loan paperwork, use of Indian language, remoteness from market, little education and low degree of market integration. When farmers with these characteristics borrow they tend to use informal market sources because of the lower transactions costs compared to those of formal market lenders. The policy implication is if formal market lenders are to reach more farmers they must lower transactions costs. |
| doi_str_mv | 10.1080/00220388308421880 |
| format | Article |
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| fulltext | fulltext |
| identifier | ISSN: 0022-0388 |
| ispartof | The Journal of development studies, 1983-07, Vol.19 (4), p.522-538 |
| issn | 0022-0388 1743-9140 |
| language | eng |
| recordid | cdi_proquest_miscellaneous_60824968 |
| source | Worldwide Political Science Abstracts; Business Source Complete; Periodicals Index Online |
| subjects | Bolivia Economic policy (credit) Farming |
| title | Factors impeding credit use in small-farm households in Bolivia |
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