Title page for ETD etd-06062008-144855


Type of Document Dissertation
Author Ameen, Farhad
URN etd-06062008-144855
Title The economics of the Grameen Bank
Degree PhD
Department Economics
Advisory Committee
Advisor Name Title
Salehi-Isfahani, Djavad Committee Chair
Eckel, Catherine C. Committee Member
Haller, Hans H. Committee Member
Tideman, Thorwald Nicolaus Committee Member
Wang, Yong Committee Member
Keywords
  • Grameen Bank
  • development
  • credit
  • group lending
Date of Defense 1996-06-06
Availability restricted
Abstract

The Grameen Bank has improved the lives of several million poor people in rural Bangladesh by providing them with credit. Using an innovative group lending program, the bank has been able to recover 97% of its loans. This dissertation is an attempt to understand the intricacies of the Grameen Bank's credit program and to throw light on those features of its innovative institutional set-up that make it so successful in recovering its loans. The dissertation is divided into six chapters and organized as follows.

I first describe the institutional set-up of the Grameen Bank and its group lending program. I draw on material obtained from interviews with bank staff and borrowers during a field-trip to the Konokdia branch of the bank in Patuakhali. This is followed by an economic analysis of the bank's lending program. I analyze the multifaceted role of group lending in achieving the dramatically low default rates on loans. The emphasis is on isolating the specific ways in which the incentives created by the requirement to form groups affects group composition and the incentives for peer support, peer supervision, and loan repayment.

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