Social Collateral
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Social Collateral
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Author : Caroline E. Schuster
language : en
Publisher: University of California Press
Release Date : 2015-10-06
Social Collateral written by Caroline E. Schuster and has been published by University of California Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-10-06 with Social Science categories.
Microcredit is part of a global trend of financial inclusion that brings banking services, especially small loans, to the world’s poor. In this book, Caroline Schuster explores Paraguayan solidarity lending as a window into the tensions between social development and global finance. Social Collateral tracks collective debt across the commercial society and smuggling economies at the Paraguayan border by examining group loans made to women by nonprofit development programs. These highly regulated loans are secured through mutual support and peer pressure—social collateral—rather than through physical collateral. This story of social collateral necessarily includes an interwoven account about the feminization of solidarity lending. At its core is an economy of gender—from pink-collar financial work, to men’s committees, to women smugglers. At stake are interdependencies that bind borrowers and lenders, financial technologies, and Paraguayan development in ways that structure both global inequality and global opportunity.
Group Lending Moral Hazard And The Creation Of Social Collateral
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Author : Jonathan Conning
language : en
Publisher:
Release Date : 1996
Group Lending Moral Hazard And The Creation Of Social Collateral written by Jonathan Conning and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1996 with Agricultural credit categories.
Social Collateral Dynamic Incentives And Joint Liability In A Two Step Trust Game
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Author : Gustavo Barboza
language : en
Publisher:
Release Date : 2020
Social Collateral Dynamic Incentives And Joint Liability In A Two Step Trust Game written by Gustavo Barboza and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020 with categories.
Asymmetric information and lack of collateral creates a suboptimal allocation of financial resources to those in most need. When uncollateralised borrowers approach financial institutions, the presence of moral hazard and adverse selection results in no lending. Conversely, group-lending contracts--joint liability, dynamic lending, and social cost for defaulting--control for information asymmetries and create a co-operative trust game between borrowers leading to an undominated optimal strategy to repay, and therefore, for the lender to Give. Group lending proves superior to typical individual borrowing and lending when no collateral is available. Social collateral and trust are fundamental pieces of the successful work of MicroFinance. Resulting contracts and correspondent payoffs are Pareto efficient.
Trust And Social Collateral
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Author : Markus Mobius
language : en
Publisher:
Release Date : 2007
Trust And Social Collateral written by Markus Mobius and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007 with Social networks categories.
This paper builds a theory of informal contract enforcement in social networks. In our model, relationships between individuals generate social collateral that can be used to control moral hazard when agents interact in a borrowing relationship. We define trust between two agents as the maximum amount that one can borrow from the other, and derive a simple reduced form expression for trust as a function of the social network. We show that trust is higher in more connected and more homogenous societies, and relate our trust measure to commonly used network statistics. Our model predicts that dense networks generate greater welfare when arrangements typically require high trust, and loose networks create more welfare otherwise. Using data on social networks and behavior in dictator games, we document evidence consistent with the quantitative predictions of the model.
Social Capital And Incentive Compatibility
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Author : Tewodaj Mogues
language : en
Publisher:
Release Date : 2003
Social Capital And Incentive Compatibility written by Tewodaj Mogues and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2003 with categories.
Social Collateral Model For Islamic Microfinance
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Author : Amrizah Kamaluddin
language : en
Publisher:
Release Date : 2017
Social Collateral Model For Islamic Microfinance written by Amrizah Kamaluddin and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017 with categories.
This study examines the social collateral model for Islamic microfinance in Malaysia. Using qualitative instruments on academics and officers of microfinance institutions as the sample study, this study identifies the components that should be included in the social collateral model for Islamic microfinance. Based on interviews and focus group discussions, this study found that similar to the conventional microfinance, the Islamic microfinance also include social capital, group pressure, entrepreneurship skills, and culture as the components of social collateral model. In addition, this study found that religiosity represents another important component of the social collateral model for Islamic microfinance.
Social Collateral
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Author : Caroline E. Schuster
language : en
Publisher: Univ of California Press
Release Date : 2015-10-06
Social Collateral written by Caroline E. Schuster and has been published by Univ of California Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-10-06 with Business & Economics categories.
"Microcredit is part of a global trend of financial inclusion that brings banking services, and especially small loans, to the world's poor. While credit for the poor has increasingly come under the rubric of commercial banking, Paraguayan solidarity lending offers a window into the tensions between social development and global finance. There, non-profit development programs offer group loans to women. These highly regulated loans are secured through mutual support and peer pressure--social collateral--rather than through physical collateral. To understand the broader issues of economic interdependency and its regulatory features, Social Collateral tracks collective debt across the commercial society and smuggling economies at the Paraguayan border. The story of social collateral cannot be told without an interwoven story about the feminization of solidarity lending. At its core is an economy of gender--from pink-collar financial work, to men's committees, to hard women smugglers. At stake are interdependencies that bind borrowers and lenders, financial technologies, and Paraguayan development in ways that structure both global inequality and opportunity"--Provided by publisher.
Group Lending Repayment Incentives And Social Collateral
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Author : Timothy Besley
language : en
Publisher:
Release Date : 1991
Group Lending Repayment Incentives And Social Collateral written by Timothy Besley and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1991 with Bank loans categories.
Accountability Of Microfinance Institutions
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Author : Amrizah Kamaluddin
language : en
Publisher:
Release Date : 2014
Accountability Of Microfinance Institutions written by Amrizah Kamaluddin and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014 with categories.
Collateral Damage
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Author : Zygmunt Bauman
language : en
Publisher: John Wiley & Sons
Release Date : 2013-04-16
Collateral Damage written by Zygmunt Bauman and has been published by John Wiley & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-04-16 with Social Science categories.
The term ‘collateral damage' has recently been added to the vocabulary of military forces to refer to the unintended consequences of armed interventions, consequences that are unplanned but nevertheless damaging and often very costly in human and personal terms. But collateral damage is not unique to the world of armed intervention - it is also one of the most salient and striking dimensions of contemporary social inequality. The inflammable mixture of growing social inequality and the rising volume of human suffering marginalized as ‘collateral' is becoming one of most cataclysmic problems of our time. For the political class, poverty is commonly seen as a problem of law and order - a matter of how to deal with individuals, such as unemployed youths, who fall foul of the law. But treating poverty as a criminal problem obscures the social roots of inequality, which lie in the combination of a consumerist life philosophy propagated and instilled by a consumer-oriented economy, on the one hand, and the rapid shrinking of life chances available to the poor, on the other. In our contemporary, liquid-modern world, the poor are the collateral damage of a profit-driven, consumer-oriented society - ‘aliens inside' who are deprived of the rights enjoyed by other members of the social order. In this new book Zygmunt Bauman - one of the most original and influential social thinkers of our time - examines the selective affinity between the growth of social inequality and the rise in the volume of ‘collateral damage' and considers its implications and its costs.