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Impacts of the Interest Rate Ceiling on Microfinance Sector in Cambodia: Evidence from a Household Survey
https://doi.org/10.18884/00001043
https://doi.org/10.18884/00001043c8c9a226-365c-4565-b284-e1e72a82715c
| 名前 / ファイル | ライセンス | アクション |
|---|---|---|
JICA_Ogata_Research_Institute_WP_219 (2.3 MB)
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| Item type | 紀要論文 / Departmental Bulletin Paper(1) | |||||
|---|---|---|---|---|---|---|
| 公開日 | 2021-03-16 | |||||
| タイトル | ||||||
| タイトル | Impacts of the Interest Rate Ceiling on Microfinance Sector in Cambodia: Evidence from a Household Survey | |||||
| タイトル | ||||||
| タイトル | Impacts of the Interest Rate Ceiling on Microfinance Sector in Cambodia: Evidence from a Household Survey | |||||
| 言語 | en | |||||
| 言語 | ||||||
| 言語 | eng | |||||
| キーワード | ||||||
| 主題Scheme | Other | |||||
| 主題 | Interest rate ceiling | |||||
| キーワード | ||||||
| 主題Scheme | Other | |||||
| 主題 | Financial inclusion | |||||
| キーワード | ||||||
| 主題Scheme | Other | |||||
| 主題 | Microfinance | |||||
| キーワード | ||||||
| 主題Scheme | Other | |||||
| 主題 | Cambodia | |||||
| キーワード | ||||||
| 言語 | en | |||||
| 主題Scheme | Other | |||||
| 主題 | Interest rate ceiling | |||||
| キーワード | ||||||
| 言語 | en | |||||
| 主題Scheme | Other | |||||
| 主題 | Financial inclusion | |||||
| キーワード | ||||||
| 言語 | en | |||||
| 主題Scheme | Other | |||||
| 主題 | Microfinance | |||||
| キーワード | ||||||
| 言語 | en | |||||
| 主題Scheme | Other | |||||
| 主題 | Cambodia | |||||
| 資源タイプ | ||||||
| 資源タイプ識別子 | http://purl.org/coar/resource_type/c_6501 | |||||
| 資源タイプ | departmental bulletin paper | |||||
| ID登録 | ||||||
| ID登録 | 10.18884/00001043 | |||||
| ID登録タイプ | JaLC | |||||
| 著者 |
Samreth, Sovannroeun
× Samreth, Sovannroeun× Aiba, Daiju× Oeur, Sothearoath× Vat, Vanndy |
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| 抄録 | ||||||
| 内容記述タイプ | Abstract | |||||
| 内容記述 | This paper examines the effects of the imposition of an interest rate ceiling in the microfinance sector in Cambodia in 2017, based on a household survey undertaken in 2019. Evidence indicates that the average interest rate was reduced after the imposition of the ceiling. Although this reduction is partially offset by the increase of the average loan assessment and processing fee, the average effective interest rate (i.e., credit cost) declined. The results also show the increase in the average loan size from formal sources at a relatively small level and the increase in the percentage of loans from informal sources by a few percentage points. Moreover, we find that relatively low-income households face a higher probability of being rejected for loans and a higher debt service ratio is positively associated with a larger loan amount. This implies the possibility of the increase of the debt burden occurring among relatively small borrowers, given that an increase of the average loan size at relatively small loan levels is observed. The evidence supporting the important role of financial literacy in reducing household debt burden is also confirmed. | |||||
| 書誌情報 |
Working Paper 号 219, p. 1-53, 発行日 2021-03-16 |
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| 出版者 | ||||||
| 出版者 | JICA Ogata Sadako Research Institute for Peace and Development | |||||
