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Funding the home-based enterprise: Finance and credit in developing country livelihoods

Lookup NU author(s): Dr Graham Tipple, Judith Coulson

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Abstract

Micro-credit is centre-stage in international development circles, not least because of the UN Year of Micro-credit in 2005. This paper examines data collected for a study of the environmental impacts of home-based enterprises (HBEs) to assess the nature of micro-credit use by their operators. Our case studies were of 150 HBE operators in each of the following locations: Surabaya, New Delhi, Pretoria and Cochabamba. Though micro-credit is available in each of our case study cities, we found much less use of any credit source, and many more problems of accessing micro-credit than might be expected from the literature. Only in Cochabamba was routine use made of such loans, but only by a minority of HBEs. Most HBEs are financed out of earnings from elsewhere, windfall gains and savings. Only in India were other loan sources, especially money-lenders, used to any great extent. Problems in accessing micro-credit included the extortion of bribes by bank officials, and a general debt-aversion by HBE operators, especially in Pretoria.

Publication metadata

Author(s): Tipple G, Coulson J

Publication type: Article

Publication status: Published

Journal: International Development Planning Review

Year: 2007

Volume: 29

Issue: 2

Pages: 125-159

Print publication date: 01/01/2007

ISSN (print): 1474-6743

ISSN (electronic): 1478-3401

Publisher: Liverpool University Press

URL: http://dx.doi.org/10.3828/idpr.29.2.1

DOI: 10.3828/idpr.29.2.1

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