Replication data for: Behavioral Foundations of Microcredit: Experimental and Survey Evidence from Rural India

Principal Investigator(s): View help for Principal Investigator(s) Michal Bauer; Julie Chytilová; Jonathan Morduch

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Project Citation:

Bauer, Michal, Chytilová, Julie, and Morduch, Jonathan. Replication data for: Behavioral Foundations of Microcredit: Experimental and Survey Evidence from Rural India. Nashville, TN: American Economic Association [publisher], 2012. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 2019-10-11. https://doi.org/10.3886/E112508V1

Project Description

Summary: We use experimental measures of time discounting and risk aversion for villagers in south India to highlight behavioral features of microcredit, a financial tool designed to reduce poverty and fix credit market imperfections. The evidence suggests that microcredit contracts may do more than reduce moral hazard and adverse selection by imposing new forms of discipline on borrowers. We find that, conditional on borrowing from any source, women with present-biased preferences are more likely than others to borrow through microcredit institutions. Another particular contribution of microcredit may thus be to provide helpful structure for borrowers seeking self-discipline. (JEL G21, I38, O15, O16, O18)

Scope of Project

Subject Terms: preference elicitation; Lab experiment in the field; microcredit; behavioral economics; debt

JEL Classification:
      G21 Banks; Depository Institutions; Micro Finance Institutions; Mortgages
      I38 Welfare, Well-Being, and Poverty: Government Programs; Provision and Effects of Welfare Programs
      O15 Economic Development: Human Resources; Human Development; Income Distribution; Migration
      O16 Economic Development: Financial Markets; Saving and Capital Investment; Corporate Finance and Governance
      O18 Economic Development: Urban, Rural, Regional, and Transportation Analysis; Housing; Infrastructure

Geographic Coverage: India (rural Karnataka state)

Time Period(s): 6/2007 – 6/2007 (June 2007)

Universe: Random sample from 9 villages in each of 2 taluks (equivalent to counties) in Karnataka State in India.

Data Type(s): survey data; experimental data

Collection Notes: Within Karnataka State in India: Honavar and Haliyal taluks (a taluk is akin to a county, part of a larger district within a state). Nine villages were selected from each taluk, and 35 people were selected in each village using a random walk method.

Methodology

Data Source: Self-collected data

Unit(s) of Observation: Individuals,

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Published Versions

V1 [2019-10-11]

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