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政大機構典藏 > 社會科學學院 > 經濟學系 > 期刊論文 > Item 140.119/121481

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題名:	Does Institutional Linkage of Bank-MFI Foster Inclusive Financial Development Even in the Presence of MFI Frauds?
作者:	Ho, Shirley J. 何靜嫺 Mallick, Sushanta K.
貢獻者:	經濟系
日期:	2017-07
上傳時間:	2018-12-22 11:59:37 (UTC+8)
摘要:	Growing reports indicate the presence of frauds in microfinance institutions (MFIs), as it can occur in any organization in countries where there are weak institutions, weak rule of law, and fraudulent behavior of MFI officers for personal gain. While there are increasing calls to launch financial governance of these NGO MFIs, there are concerns as to whether frauds of this nature can damage MFIs` contributions to the credit market, particularly in the bank-linkage program where the NGO MFIs act as third party intermediary. The purpose of this study was to analyze the collusion decisions faced by MFIs and their impact on the bank-linkage program, which has been offered as a solution to help overcome adverse selection and moral hazard problems in the credit market by harnessing local information via MFIs. Our results show that even when there is a chance of collusion between MFI and the borrower, the linkage between MFI and bank can still increase the probability that the borrower puts in full effort, and therefore decreases the probabilities of both credit rationing and strategic default. Such linkage in financing viable projects can make micro-financing more effective in achieving inclusive financial development and thereby poverty reduction in rural areas.
關聯:	SCOTTISH JOURNAL OF POLITICAL ECONOMY,64(3), 283-309
資料類型:	article
DOI 連結:	http://dx.doi.org/10.1111/sjpe.12124
DOI:	10.1111/sjpe.12124
顯示於類別:	[經濟學系] 期刊論文

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檔案	描述	大小	格式	瀏覽次數
12124.pdf		480Kb	Adobe PDF2	247	檢視/開啟

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