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The link between microcredit and rural household economy

Martin, Noémie
(2020)

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Supervisors
De Leener, Philippe ; Peeters, Amaury
Faculty
Faculté des sciences économiques, sociales, politiques et de communication
Degree label
Master [120] en sciences politiques, orientation relations internationales
Abstract
Microfinance has known an impressive expansion in Cambodia over the past two decades, causing the saturation of the microfinance sector. This is not without consequences for rural households. Besides commercial microfinance institutions, other sources of microcredit exist such as Self-Help Groups facilitated by NGOs as Louvain Cooperation (LC). These groups allow rural households to make savings and take out credits among themselves in a way that is more adapted to their needs. These different credit sources are used alongside with other more traditional ones. Most rural households take out loans from more than one credit source. The use of these different credit sources, among others, may cause non-performing loans, leading a number of borrowers to become indebted or even over-indebted. That is in this context that this project was completed. It was carried out as part of an internship with the NGO LC in Cambodia. A field research was conducted in the South of the province of Kampong Thom in Cambodia. The objective was to analyze the link between microcredit and the rural household economy.