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2018-05-30 - Colloque/Présentation - communication orale - Anglais - 10 page(s)

Caballero-Montes Tristan , Godfroid Cécile , Labie Marc , "The Ins and Outs of Implementing Interest Rate Caps in Microfinance Industry." in XXXIVèmes Journées ATM 8 , Université Grenoble Alpes, Grenoble, France, 2018

  • Codes CREF : Economie des PVD (DI4375), Management (DI4360)
  • Unités de recherche UMONS : Economie et gestion de l'entreprise (W742)
  • Instituts UMONS : Institut de Recherche en Développement Humain et des Organisations (HumanOrg)
  • Centres UMONS : Microfinance (CERMI)

Abstract(s) :

(Anglais) Microfinance has been highly criticized for the high interest rates charged to poor borrowers. Pushed by these critics, some governments have considered the possibility to cap interest rates applied in financial inclusion schemes. An interest rate cap aims to prevent financial institutions to provide loans at a higher interest rates than the cap. However, such a regulation seems to present numerous disadvantages. Is it a good idea to impose an interest rate cap in microfinance? And if so, how should it be done? This is what this paper intends to discuss.