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What Lenders Think Borrowers Think Of Lending And Lenders: A Psychographic Study Of Rural Credit Cooperatives In Shandong, China

dc.contributor.authorXu, Xiaolanen_US
dc.contributor.chairTurvey, Calum G.en_US
dc.contributor.committeeMemberWoodard, Joshua D.en_US
dc.date.accessioned2013-01-31T19:44:39Z
dc.date.available2017-12-20T07:00:28Z
dc.date.issued2012-08-20en_US
dc.description.abstractIn this paper we conduct a field survey among 120 loan officers at Rural Credit Cooperatives (RCCs) in China's coastal Shandong province, to pair with an existing survey on identical questions to 394 farm households in the same region. Pairing lenders' perceptions towards borrowers regarding RCC microcredit lending mechanisms, against borrowers' perceptions towards lenders and how they themselves were perceived by lenders in the same regard, we observe a perceptual disconnect between them in the context of lenders' "care" towards borrowers, loan rejection, memberships of RCC and group guarantee, lending concerns, cost of borrowing, reasons for default, credit rationing, and lending preferences. With distinct cluster groupings based on their perceptions, we analyze the influence of demographics on the borrower and lender cluster memberships. We draw conclusions that policy initiatives should be put in place at RCCs that close the gap between the two parties in their credit relationship, concentrating on advocating RCCs' care and trust towards agriculture and farm households, while providing credit education to rural households; at the institutional level, effort should be extended to train a dedicated team of loan officers that specialize in servicing farm households with standardized lending practices. This research provides financial institutions with outreach mechanisms to borrowers, while also training lenders to borrowers' sensitivities.en_US
dc.identifier.otherbibid: 7959947
dc.identifier.urihttps://hdl.handle.net/1813/31182
dc.language.isoen_USen_US
dc.subjectMicrocrediten_US
dc.subjectPerceptionen_US
dc.subjectDisconnecten_US
dc.subjectClusteren_US
dc.subjectRural credit cooperative (RCC)en_US
dc.titleWhat Lenders Think Borrowers Think Of Lending And Lenders: A Psychographic Study Of Rural Credit Cooperatives In Shandong, Chinaen_US
dc.typedissertation or thesisen_US
thesis.degree.disciplineAgricultural Economics
thesis.degree.grantorCornell Universityen_US
thesis.degree.levelMaster of Science
thesis.degree.nameM.S., Agricultural Economics

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