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|c 18.00 USD
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|z 9781513582634
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|a 1018-5941
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|a BD-DhAAL
|c BD-DhAAL
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|a Heng, Dyna.
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|a Impacts of Interest Rate Cap on Financial Inclusion in Cambodia /
|c Dyna Heng, Serey Chea, Bomakara Heng.
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|a Washington, D.C. :
|b International Monetary Fund,
|c 2021.
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| 300 |
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|a 1 online resource (35 pages)
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|a IMF Working Papers
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|a <strong>Off-Campus Access:</strong> No User ID or Password Required
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|a <strong>On-Campus Access:</strong> No User ID or Password Required
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|a Electronic access restricted to authorized BRAC University faculty, staff and students
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|a Interest rate caps, despite their intended objective of broadening financial inclusion, can have undesirable effects on financial inclusion under certain conditions. This paper examines the effect of microfinance-loan interest rate caps on financial inclusion in Cambodia. Based on a difference-in-difference analysis on bank and microfinance supervisory data, results show some unintended impact on financial inclusion. The cap led to a significant increase in non-interest fees charged on new loans following the introduction of an annual capitolo Microfinance borrowers declined immediately, amid an increase in credit growth, as microfinance institutions targeted larger borrowers at the expense of smaller ones. Microfinance institutions, responded differently to the cap, considering their own operation and funding costs, and client base. Two years after the cap, institutions resumed lending to a wider group of borrowers with lower funding and operation costs brought by mobile payment development.
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|a Mode of access: Internet
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|a Banking Sector
|2 imf
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| 650 |
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|a Financial Inclusion and Interest Rate Caps
|2 imf
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| 650 |
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|a Foreign Exchange
|2 imf
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| 650 |
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|a Informal Economy
|2 imf
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| 650 |
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|a Microfinance Borrower
|2 imf
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| 650 |
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|a Underground Econom
|2 imf
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|a Chea, Serey.
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|a Heng, Bomakara.
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|a IMF Working Papers; Working Paper ;
|v No. 2021/107
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| 856 |
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|z Full text available on IMF
|u http://elibrary.imf.org/view/journals/001/2021/107/001.2021.issue-107-en.xml
|z IMF e-Library
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