Francis N. Okurut

CREDIT DEMAND AND CREDIT RATIONING

CREDIT DEMAND AND CREDIT RATIONING IN THE INFORMAL FINANCIAL SECTOR IN UGANDA

• Broschiertes Buch

Produktbeschreibung

This study was motivated by the need to determine the key factors that influence credit demand and credit rationing in the informal financial markets so as to contribute to policy formulation to improve access for the poor in Uganda to the broader (formal and informal) financial sector. The results of the study suggest that credit demand in the informal financial sector is positively and significantly influenced by capacity related variables (education level, and household expenditure) at the household level, and the informal lenders credit rationing behaviour is also negatively and significantly influenced by household wealth factors (asset values). The same variables have similar effects in the models for credit demand and credit rationing in the broader financial sector. Since households demand credit for both investment and consumption smoothing, improved access to the broader financial sector will enable them to acquire more wealth, and move out of poverty in the long run.

Produktdetails

• Verlag: LAP Lambert Academic Publishing
• Seitenzahl: 264
• Erscheinungstermin: 17. März 2010
• Englisch
• Abmessung: 220mm x 150mm x 16mm
• Gewicht: 365g
• ISBN-13: 9783838351643
• ISBN-10: 3838351649
• Artikelnr.: 29335493

Autorenporträt

is momenteel een universitair hoofddocent bij het Departement Economie van de Universiteit van Botswana. Eerste graad en master behaald aan Makerere University, Oeganda. Docent aan het Departement Economie, Makerere University voordat hij toetrad tot de particuliere sector in de microfinancieringssector. PhD in economie aan de Universiteit van Stellenbosch, Zuid-Afrika