Reforming Cameroon's Government Credit Program: Effects on Liquidity Management by Small Farm Borrowers
利用喀麦隆实地数据建模，分析提高信贷额度、放宽贷款用途灵活性等改革方案对小农借款人流动性管理的影响，发现这些措施能增加小农收益、降低违约率并扩大项目覆盖面。
Abstract Higher interest rates and credit limits as well as modified lending practices have been proposed to improve the performance of credit programs for small farmers in developing countries. Models based on Cameroon field data are used to generate results from such reform proposals. The results suggest that small farmer benefits could be increased by increasing credit limits and flexibility in the use of loan proceeds, while reducing default rates and expanding program outreach.