Войти

Discrimination by Microcredit Officers: Theory and Evidence on Disability in Uganda (Labie M., Meon P-G., Mersland R., Szafarz A.)

Bank Lending Bank Managers

Abstract This paper studies the relationship between a microfinance institution (MFI) and its credit officers when the latter are biased against a subgroup of the clientele. Using survey data from Uganda, we provide evidence that credit officers are more biased against disabled borrowers than other employees. In line with the evidence, we then build an agency model of a non-profit MFI and a discriminatory credit officer. Since incentive schemes are costly, and the MFI’s budget is limited, even a non discriminating welfare-maximizing MFI may prefer paying smaller incentivizing compensation, and letting its credit officer discriminate to some extent.
External link Download
Libref/ Labie M., Meon P-G., Mersland R., Szafarz A. (2010) “Discrimination by Microcredit Officers: Theory and Evidence on Disability in Uganda”, CEB Working Paper № 10/007, pp. 1-29
© Программирование — Александр Красильников, 2008
    Дизайн — переработанная версия стартовой страницы ГУ–ВШЭ.