Endowments and credit market performance : An econometric exploration of non-price rationing mechanisms in rural credit markets in Peru

@inproceedings{Boucher2002EndowmentsAC,
  title={Endowments and credit market performance : An econometric exploration of non-price rationing mechanisms in rural credit markets in Peru},
  author={Steve Boucher},
  year={2002}
}
This paper provides an empirical examination of the frequency and determinants of two forms of non-price rationing in rural credit markets in northern Peru. Quantity rationing is the conventional form of non-price rationing whereby a household with positive demand for credit is denied access. Risk rationing, in contrast, occurs when a household voluntarily withdraws from the credit market for fear of losing collateral even though it has an expected income enhancing investment. A multinomial… CONTINUE READING

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