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Publication Detail
Self Help Groups: Use of modified ROSCAs in Microfinance
  • Publication Type:
    Working discussion paper
  • Authors:
    Aniket K
  • Publication date:
    01/11/2005
  • Report number:
    137
  • Series:
    ESE Discussion Papers
  • Keyword:
    Microfinance, Group Lending, Credit, Saving
Abstract
The paper documents the group lending mechanism used by a typical microfinance lender in Haryana, India. The mechanism had three interesting features. Firstly, the groups were initially formed as Rotating, Saving and Credit Associations. This enabled the lender to screen the groups. Second, there was significant heterogeneity within the group in terms of income and educational achievements. Third, the relatively wealthy individuals dominated the decision making process in the group and were able to obtain a disproportionate amount of credit allocated to the group.
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