英文文献:Working Paper 232 - Remittances and Access to rural credit markets Evidence from Senegal-工作文件232 -塞内加尔的汇款和进入农村信贷市场的证据
英文文献作者:Mbaye Linguère Mously
英文文献摘要:
This study investigates the impact of remittances on credit markets in Senegal. The findings show that remittances and credit markets are complements; namely, the receipt of remittances increases the likelihood of having a loan in a household. This result is robust after controlling for the potential endogeneity of remittances through household fixed effects and an instrumental variable approach. A detailed analysis also shows that the impact of remittances on credit markets is mainly driven by loans taken for consumption and food, in particular, as well as loans provided by informal institutions.
本研究调查了汇款对塞内加尔信贷市场的影响。调查结果显示,汇款和信贷市场是互补的;也就是说,收到汇款增加了家庭获得贷款的可能性。在通过家庭固定效应和工具变量方法控制了汇款的潜在内生性之后,这一结果是稳健的。一项详细的分析还表明,汇款对信贷市场的影响主要是由消费和粮食贷款以及非正式机构提供的贷款推动的。