Adding value to randomization with qualitative analysis : the case of microcredit in rural Morocco

Abstract : This paper analyzes microcredit demand and use to draw lessons on how households appropriate microcredit services. It introduces qualitative analysis to a randomized study. Findings suggest that microcredit demand and use is shaped not only by agro-ecological conditions, but by two major partially interrelated factors: debt-related norms articulated with the perception of the sanction in case of repayment default, and the "social life" of microcredit, namely, how social actors, credit officers, and local leaders, engage with microcredit. On a conceptual perspective we argue that microcredit "markets" do not result from supply confronting demand, but instead, are historical, political, and social constructs.
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World Development, Elsevier, 2014, 56, pp.302-312. 〈10.1016/j.worlddev.2013.03.00〉
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http://hal.ird.fr/ird-01471911
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Soumis le : lundi 20 février 2017 - 13:28:12
Dernière modification le : jeudi 11 janvier 2018 - 06:22:37

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Solène Morvant-Roux, Isabelle Guérin, Marc Roesch, Jean-Yves Moisseron. Adding value to randomization with qualitative analysis : the case of microcredit in rural Morocco. World Development, Elsevier, 2014, 56, pp.302-312. 〈10.1016/j.worlddev.2013.03.00〉. 〈ird-01471911〉

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