Microcredit Groups and Support: An Examination of Group Member Characteristics and Individual Outcomes

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dc.contributor.advisorBradley, Steve
dc.contributor.authorPaternoster, Paul
dc.contributor.departmentUniversity Scholars.en_US
dc.contributor.otherBaylor University.en_US
dc.contributor.schoolsHonors College.en_US
dc.date.accessioned2019-09-13T13:36:03Z
dc.date.available2019-09-13T13:36:03Z
dc.date.copyright2019-08-30
dc.date.issued2019-09-13
dc.description.abstractWhile the microcredit group has existed since its introduction by Mohammed Yunus in 1976, very few studies address a key feature – the individual and collective characteristics of the group members themselves. Group members depend on each other to pay off the loans for which they are jointly liable, and, unlike many corporate teams, they form their own groups, with some guidance but no coercion from the lending officer. Drawing on data from a survey of 249 micro-entrepreneurs within 25 lending groups from Nairobi, Kenya, this study uses five group formation mechanisms, and within- and between-group analysis, to examine how group member characteristics relate to the members’ businesses performance. Of note, I find personality-based group leader selection and trust-based group member selection characterize groups with significantly higher average sales of members. This thesis suggests pursuit of a neglected line of investigation into how to make microcredit more effective.en_US
dc.identifier.urihttps://hdl.handle.net/2104/10712
dc.language.isoen_USen_US
dc.rightsBaylor University projects are protected by copyright. They may be viewed from this source for any purpose, but reproduction or distribution in any format is prohibited without written permission. Contact libraryquestions@baylor.edu for inquiries about permission.en_US
dc.rights.accessrightsWorldwide accessen_US
dc.subjectMicrocrediten_US
dc.subjectEntrepreneurshipen_US
dc.subjectNetworksen_US
dc.subjectGroupsen_US
dc.titleMicrocredit Groups and Support: An Examination of Group Member Characteristics and Individual Outcomesen_US
dc.typeThesisen_US

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