Arbeitspapier
Credit for What? Informal Credit as a Coping Strategy of Market Women in Northern Ghana
This paper explores the use of informal credit as a strategy for managing risks by market women in northern Ghana. A broad concept of the costs of risk management strategies is introduced and encompasses both a time and monetary dimension. Based on qualitative data, the analysis reveals that market women invest a considerable amount of time in maintaining complex networks of informal credit providers to insure their access to credit once a shock occurs. Informal credit involves high transaction costs and prevents market women from growing out of poverty in the long term.
- Language
-
Englisch
- Bibliographic citation
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Series: DIW Discussion Papers ; No. 715
- Classification
-
Wirtschaft
Microeconomic Analyses of Economic Development
Formal and Informal Sectors; Shadow Economy; Institutional Arrangements
Household Production and Intrahousehold Allocation
- Subject
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Africa
Ghana
informal credit
risk management
women
- Event
-
Geistige Schöpfung
- (who)
-
Schindler, Kati
- Event
-
Veröffentlichung
- (who)
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Deutsches Institut für Wirtschaftsforschung (DIW)
- (where)
-
Berlin
- (when)
-
2009
- Handle
- Last update
-
10.03.2025, 11:44 AM CET
Data provider
This object is provided by:
ZBW - Deutsche Zentralbibliothek für Wirtschaftswissenschaften - Leibniz-Informationszentrum Wirtschaft. If you have any questions about the object, please contact the data provider.
ZBW - Deutsche Zentralbibliothek für Wirtschaftswissenschaften - Leibniz-Informationszentrum Wirtschaft. If you have any questions about the object, please contact the data provider.
Object type
- Arbeitspapier
Associated
- Schindler, Kati
- Deutsches Institut für Wirtschaftsforschung (DIW)
Time of origin
- 2009
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Credit for What? Informal Credit as a Coping Strategy of Market Women in Northern Ghana
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Informal Credit Markets, Common-pool Resources and Education
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Informal sector and economic development: The credit supply channel
Finding the money: informal credit practices in rural Afghanistan
Outreach of credit institutes and households' access constraints to formal credit in Northern Vietnam
Outreach of credit institutes and households' access contraints to formal credit in Northern Vietnam