An analysis of offer functions of banks and credit unions in Guatemala
分析危地马拉信用合作社是否填补了正规银行信贷配给造成的家庭贷款缺口，回归结果显示信用合作社服务了正规银行未覆盖的市场。
Economists have sought to identify institutions which might fill the gap in household access to credit arising from rationing by formal lenders. Credit unions have been identified as institutions which might use informational and monitoring advantages to fill that gap. Using information on household perceptions of their access to credit, this article analyses the impact of certain credit unions on the access to credit of households in Guatemala. Regression results indicate that credit unions serve markets unserved by formal lenders and that information on household perceptions of their access to credit is important in making inferences about lender lending activities.