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dc.contributor.authorOkten, C.en_US
dc.contributor.authorOsili, U. O.en_US
dc.date.accessioned2016-02-08T10:26:40Z
dc.date.available2016-02-08T10:26:40Z
dc.date.issued2004en_US
dc.identifier.issn0305-750X
dc.identifier.urihttp://hdl.handle.net/11693/24269
dc.description.abstractIn this paper, we investigate how family and community networks affect an individual's access to credit institutions using new data from the Indonesia Family Life Surveys. Our theoretical framework emphasizes the family and community's role in providing information, thus lowering the search costs of the borrower and monitoring and enforcement costs for the lender. From our empirical results, community and family networks are important in knowing a place to borrow, as well as for loan approval. Consistent with an information-based explanation of networks, family and community networks have a larger impact on credit awareness of new credit institutions with a lower impact on awareness of established credit sources. Interestingly, we find that women benefit from participating in community networks more than men. There is no evidence that the rich benefit from community networks more than the poor. Our results on the benefits from participation in the community network are robust to the inclusion of community fixed effects. © 2004 Elsevier Ltd. All rights reserved.en_US
dc.language.isoEnglishen_US
dc.source.titleWorld Developmenten_US
dc.relation.isversionofhttp://dx.doi.org/10.1016/j.worlddev.2004.01.012en_US
dc.subjectCredit accessen_US
dc.subjectIndonesiaen_US
dc.subjectSocial networksen_US
dc.subjectAccessibilityen_US
dc.subjectCredit provisionen_US
dc.subjectInstitutional frameworken_US
dc.titleSocial networks and credit access in Indonesiaen_US
dc.typeArticleen_US
dc.departmentDepartment of Economicsen_US
dc.citation.spage1225en_US
dc.citation.epage1246en_US
dc.citation.volumeNumber32en_US
dc.citation.issueNumber7en_US
dc.identifier.doi10.1016/j.worlddev.2004.01.012en_US
dc.publisherPergamon Pressen_US
dc.identifier.eissn1873-5991


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