Adding Value to Randomization with Qualitative Analysis: The Case of Microcredit in Rural Morocco

World Development

Volumn 56, Issue , 2014, Pages 302-312

  Morvant Roux, Solène ^a   Guérin, Isabelle ^b,c   Roesch, Marc ^d   Moisseron, Jean Yves ^b  

^a UNIVERSITY OF FRIBOURG   (Switzerland)

^b Institute of Research for Development (IRD)   (France)

^c FRENCH INSTITUTE OF PONDICHERRY   (India)

^d CIRAD   (France)

Author keywords

Defaults; Methods; Microcredit take up; Morocco; Northern Africa

Indexed keywords

CONCEPTUAL FRAMEWORK; CREDIT PROVISION; FINANCIAL MARKET; FINANCIAL SERVICES; MICROFINANCE; QUALITATIVE ANALYSIS; RURAL FINANCE;

MOROCCO;

EID: 84891371189     PISSN: 0305750X     EISSN: None     Source Type: Journal    
DOI: 10.1016/j.worlddev.2013.03.002     Document Type: Article

References (68)

1. Al Amana (2010). Programme annuel 2010: Al Amana microfinance. Available at: http://www.alamana.org.ma/images/Programme2010.pdf.
2. Aubert C., de Janvry A., Sadoulet E. Designing credit agent incentives to prevent mission drift in pro-poor microfinance institutions. Journal of Development Economics 2009, 90(1):153-162.
3. Bähre E. Reluctant solidarity: Death, urban poverty and neighbourly assistance in South Africa. Ethnography 2007, 8(1):33-59.
4. Bloch M., Parry J. Money and the morality of exchange 1989, Cambridge University Press, Cambridge.
5. Boucher S.R., Guirkinger C., Trivelli C. Direct elicitation of credit constraints: Conceptual and practical issues with an application to peruvian agriculture. Economic Development and Cultural Change 2009, 57(4):609-640.
6. Bouman F.J.A. Informal rural finance: An Aladdin's lamp of information. Financial landscape reconstructed: The fine art of mapping development 1994, 1-9. Westview Press, Boulder, CO, [Chap. 7]. F.J.A. Bouman, O. Hospes (Eds.).
7. Bouman F.J.A. Rotating and accumulating savings and credit associations: A development perspective. World Development 1995, 23(3):371-384.
8. Financial landscape reconstructed: The fine art of mapping development 1994, Westview Press, Boulder, CO. F.J.A. Bouman, O. Hospes (Eds.).
9. Bourdieu P. Algérie 60. Structures économiques et structures temporelles 1977, Les éditions de Minuit, Paris.
10. Cherifi R. Le Makhzen politique au Maroc. Hier et aujourd'hui 1988, Afrique-Orient, Casablanca.
11. Collins D., Morduch J., Rutherford S., Ruthven O. Portfolios of the poor: How the world's poor live on $2 a day 2009, Princeton University Press, Princeton.
12. Crépon, B., Devoto, F., Duflo, E., & Pariente, W. (2010). Evaluation de l'impact du microcredit en zone rurale au Maroc. Agence Française de Développement, December 2010.
13. Crépon, B., Devoto, F., Duflo, E., & Pariente, W. (2011). Impact of microcredit in rural areas of Morocco: Evidence from a randomized evaluation. Working paper, J-Pal, March 31, 2011. Available at: http://www.povertyactionlab.org/publication/impact-microcredit-rural-areas-morocco-evidence-randomized-evaluation.
14. Deneulin S., Rakodi C. Revisiting religion: Development studies thirty years on. World Development 2011, 39(1):45-54.
15. Douglas M. Evans-Pritchard 1980, Fontana Modern Masters, Glasgow.
16. Duflo, E., Crépon, B., Parienté, W., & Devoto, F. (2008). Poverty, Access to Credit and the Determinants of Participation in a New Micro-credit Program in Rural Areas of Morocco, Série Analyse d'Impact Ex Post n°2. Paris: Agence Française de Développement, October 2008.
17. Fernando J. Microfinance. Perils and prospects 2006, Londres, Routledge.
18. Goetz A.-M. Women development workers. Implementing rural credit programmes in Bangladesh 2001, Sage Publications, London.
19. Gudeman S. The anthropology of economy: Community, market, and culture 2001, Blackwell.
20. Guérin I. Le dilemme proximité viabilité en microfinance: Confiance et partenariats. Savings and Development 1999, 23(2):58-72.
21. Guérin I. Women and money: Multiple, complex and evolving practices. Development and Change 2006, 37(3):549-570.
22. Guérin I. Do women need specific microfinance services?. Handbook of microfinance 2011, 563-589. World Scientific Publishing, London/Singapore. B. Armendariz, M. Labie (Eds.).
23. Guérin I., D'Espallier B., Venkatasubramanian G. Debt in rural South India: Fragmentation, social regulation and discrimination. Journal of Development Studies 2012, 1-17.
24. Guérin I., Kumar M. Clientélisme, courtage et gestion des risques en microfinance. Etude de cas en Inde du Sud. Revue Autrepart 2007, 44:13-26.
25. Guérin I., Morvant-Roux S., Servet J.-M. Understanding the diversity and complexity of demand for microfinance services: Lessons from informal finance. Handbook of microfinance 2011, 101-122. World Scientific Publishing, London/Singapore. B. Armendariz, M. Labie (Eds.).
26. Guérin I., Morvant-Roux S., Villarreal M. Microfinance, debt and over-indebtedness. Juggling with money 2013, Routlegde, London.
27. Guérin I., Roesch M., Venkatasubramanian G., D'Espallier B. Credit from whom and for what? Diversity of borrowing sources and uses in rural South-India. Journal of International Development 2012, 24:S122-S137.
28. Guérin I., Roesch M., Michiels S., Venkatasubramanian G. Dettes, protections et solidarités en Inde du Sud. Economie et Sociétés 2012, tome XLVI(2):385-413.
29. Guérin I., Roesch M., Venkatasubramanian G., Héliès O. Microfinance, endettement et surendettement. Revue Tiers Monde 2009, 197:131-146.
30. Guillen P. La résistance du Maroc à l'emprise française au lendemain des accords franco-anglais d'avril 1904. Revue de l'Occident musulman et de la Méditerranée 1970, 8(1):115-122.
31. Guirkinger C. Understanding the coexistence of formal and informal credit markets in Piura, Peru. World Development 2008, 36(8):1436-1452.
32. Hann C., Hart K. Economic anthropology 2011, Polity Press, Cambridge.
33. Harriss-White B., Colatei D. Rural credit and the collateral question. Rural India facing the 21st century. Essays on long term change and recent development policy 2004, 252-283. Anthem, South Asian Studies, London. B. Harriss-White, S. Janakarajan (Eds.).
34. Johnson S. Gender norms in financial markets: Evidence from Kenya. World Development 2004, 32(8):1355-1374.
35. Johnson S. Fragmentation and embeddedness: An alternative approach to the analysis of rural financial markets. Oxford Development Studies 2005, 33(3-4):357-375.
36. Johnson S. Debt, over-indebtedness and wellbeing: an exploration. Microfinance, debt and over-indebtedness. Juggling with money 2013, Routlegde, London. I. Guérin, S. Morvant-Roux, M. Villarreal (Eds.).
37. Johnson S., Nino-Zarazua M. Financial access and exclusion in Kenya and Uganda. The Journal of Development Studies 2011, 47(3):475-496.
38. Joseph N. Mortgaging used saree-skirts, spear-heading resistance: Narratives from the microfinance repayment standoff in Ramanagaram, India. Microfinance, debt and over-indebtedness. Juggling with money 2013, 2008-2010. Routlegde, London. I. Guérin, S. Morvant-Roux, M. Villarreal (Eds.).
39. Kochar A. An empirical investigation of rationing constraints in rural credit markets in India. Journal of Development Economics 1997, 53:339-371.
40. Labie, M., Méon, P. -G., Mersland, R., & Szafarz, A., (2010). Discrimination by microcredit officers: Theory and evidence on disability in Uganda. CEB Working Paper n°10/007.
41. Lamrini R. Les chevaliers de l'infortune. Microcrédit au Maroc: la Génèse 2008, Editions Marsam, Rabat, 184 p.
42. Long N. Development sociology. Actor perspectives 2001, Routledge, London.
43. Long N., Long A. Battlefields of knowledge: The interlocking of theory and practice in social research and development 1992, Routledge, London.
44. Lont H., Hospes O. Livelihood and microfinance. Anthropological and sociological perspectives on savings and debt 2004, Eburon Academic Publishers, Delft.
45. La dette 1988, Éditions de l'École des hautes études en sciences sociales, Paris, [coll. Purushartha, vol. 4]. C. Malamoud (Ed.).
46. Mersland R., D'Espallier B., Supphellen M. The effect of religion on development efforts: Evidence from the microfinance industry and a research agenda. World Development 2013, 41:145-156.
47. Morvant-Roux, S. (2006). Processus d'appropriation des dispositifs de microfinance: un exemple en milieu rural mexicain, Thèse de doctorat en sciences économiques, Université Lumière, Lyon 2, Lyon.
48. Quelle microfinance pour l'agriculture des pays en développement? In Exclusion et liens financiers 2009, Economica, Paris, 458 pp. S. Morvant-Roux (Ed.).
49. Morvant-Roux, S., Bouquet, E., & Rodriguez-Solis, G. (2012). Labor arrangements and financial inclusion of agricultural workers in a dynamic agricultural region in Mexico: exploring the linkages. RUME-Working paper N°19 (rubrique2- Last access 11/27/2012). http://www.rume-rural-microfinance.org/spip.php?
50. Mosse D. Cultivating development. An ethnography of aid policy and practice 2005, Pluto Press, London.
51. Naudet J.-N., Bernard T., Delarue J. Évaluations d'impact: un outil de redevabilité ? Les leçons tirées de l'expérience de l'AFD. Revue d'économie du développement 2012, 4(26):27-48.
52. Peebles G. The anthropology of credit and debt. Annual Review of Anthropology 2010, 39:225-240.
53. PlaNet Finance Étude sur les endettements croisés 2006, PlaNet Finance, Maroc.
54. Rankin K.N. Social capital, microfinance and the politics of development. Feminist Economics 2002, 8(1):1-24.
55. Épargne et liens sociaux. Études comparées d'informalités financières 1995, AEF/AUPELF-UREF, Paris. J.-M. Servet (Ed.).
56. Servet J.-M. Banquiers aux pieds nus. La microfinance 2006, Odile Jacob, Paris.
57. Servet J.-M. Community relations, individual, social and economics constraints in the savings and loans associations. The Milano papers 1996, Black Rose Books, Montreal/London. Cangiani (Ed.).
58. Servet J.-M., Saiag H. Household over-indebtedness in northern and southern countries: A macro-perspective. Juggling with money. Microfinance, debt and over-indebtedness 2013, Routlegde, London. I. Guérin, S. Morvant-Roux, M. Villarreal (Eds.).
59. Shipton P. The nature of entrustment. Intimacy, exchange and the sacred in Africa 2007, Yale University Press, New Haven, London.
60. Shipton P. Credit between cultures. Farmers, financiers and misunderstandings in Africa 2010, Yale University Press, New-Haven and London.
61. Silva-Gonçalves, J. (2011). Les contraintes de crédit en milieu rural marocain. mémoire de Master, Université paris 1-PSE, pp. 62.
62. Stiglitz Joseph E., Weiss Andrew Credit rationing in markets with imperfect information. American Economic Review 1981, 71:393-410.
63. Tripp C. Islam and the moral economy: The challenge of capitalism 2006, Cambridge University Press, Cambridge.
64. Tsai S.K. Imperfect substitutes: the local political economy of informal finance and microfinance in rural China and India. World Development 2004, 32(9):1487-1507.
65. Villarreal, M. (2009). Social boundaries and economic dilemmas in micro-financial practices. In First European research conference on microfinance, CERMi, ULB, June 2-4, Bruxelles.
66. Villarreal M. Striving to make capital do 'economic things' for the impoverished: On the issue of capitalization in rural microenterprises. Development intervention. Actor and activity perspectives 2004, 67-81. University of Helsinki, Helsinki. T. Kontinen (Ed.).
67. Zelizer V.A. The social meaning of money 1995, Basic Books, New York.
68. Zombre, U. (2013). Marchés du crédit et marchés de la terre à Madagascar: interfaces et implications pour le développement agricole. Thèse de Doctorat en Sciences Économiques, Montpellier SupAgro, Montpellier (France).