How Long to Read Financial Access Under the Microscope

How Long Does it Take to Read Financial Access Under the Microscope?

It takes the average reader and 56 minutes to read Financial Access Under the Microscope by Sumit Agarwal

Assuming a reading speed of 250 words per minute. Learn more

Description

We examine the impact of a large-scale microcredit expansion program on financial access and the transition of previously unbanked borrowers to commercial banks. Using administrative micro-data covering the universe of loans to individuals from a developing country, we show that the program significantly increased access to credit, particularly in less developed areas. This effect is driven by the newly set-up credit cooperatives (U-SACCOs), which grant loans to previously unbanked individuals. A sizable share of first-time borrowers who need a second loan switch to commercial banks, which cream-skim low-risk borrowers and grant them larger, cheaper, and longer-term loans. These borrowers are not riskier than similar individuals already at commercial banks and only initially receive smaller loans. Our results suggest that the microfinance sector, together with a well-functioning credit reference bureau, help mitigate information frictions in credit markets.

How long is Financial Access Under the Microscope?

Financial Access Under the Microscope by Sumit Agarwal is 55 pages long, and a total of 14,025 words.

This makes it 19% the length of the average book. It also has 17% more words than the average book.

How Long Does it Take to Read Financial Access Under the Microscope Aloud?

The average oral reading speed is 183 words per minute. This means it takes 1 hour and 16 minutes to read Financial Access Under the Microscope aloud.

What Reading Level is Financial Access Under the Microscope?

Financial Access Under the Microscope is suitable for students ages 8 and up.

Note that there may be other factors that effect this rating besides length that are not factored in on this page. This may include things like complex language or sensitive topics not suitable for students of certain ages.

When deciding what to show young students always use your best judgement and consult a professional.

Where Can I Buy Financial Access Under the Microscope?

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