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Title:Credit demand and credit rationing in the informal financial sector in Uganda
Authors:Okurut, F.N.ISNI
Schoombee, A.ISNI
Van der Berg, S.ISNI
Periodical:South African Journal of Economics
Geographic term:Uganda
informal sector
External link:https://onlinelibrary.wiley.com/doi/10.1111/j.1813-6982.2005.00033.x/pdf
Abstract:This paper investigates the household and individual characteristics that influence the demand and supply of informal credit in Uganda, which credit is important for improving the welfare of the poor. Informal credit demand is positively and significantly influenced by age, sex, education level, dependency ratio, household expenditure, and regional location. On the supply side, informal lenders' credit rationing behaviour is negatively and significantly influenced by age, sex, asset values, and regional location. Government policies should focus on increasing both the productive capacity and wealth of households in order to enhance the poor's creditworthiness and make them less susceptible to credit rationing by lenders. Bibliogr., notes, sum. [Journal abstract]