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Obstacles To Accessing Pro-Poor Microcredit Programs In China: Evidence From Penggan Village, Guizhou, Deborah Shu Yi Tan, Track Tze Tuan Tan, Shao Tong Ling, John A. Donaldson
Obstacles To Accessing Pro-Poor Microcredit Programs In China: Evidence From Penggan Village, Guizhou, Deborah Shu Yi Tan, Track Tze Tuan Tan, Shao Tong Ling, John A. Donaldson
Research Collection School of Social Sciences
Why do poor farmers not take up microcredit loans, even when the terms are designed to be pro-poor? Fieldwork in a village in China’s Guizhou province revealed a puzzle: although the county government had designed a loan program that was intended to be unusually pro-poor, only three of the 349 eligible households had successfully applied. This article analyzes three potential hypotheses: farmer failure (risk aversion or financial illiteracy), market failure (lack of viable or stable market opportunities), and institutional failure (structural or institutional barriers precluding taking up loans). Based on evidence from intensive interviews, we reject the first hypothesis, and …
Making Ethnic Tourism Good For The Poor, Jean Junying Lor, Shelly Kwa, John A. Donaldson
Making Ethnic Tourism Good For The Poor, Jean Junying Lor, Shelly Kwa, John A. Donaldson
Research Collection School of Social Sciences
How can ethnic tourism alleviate rural poverty? Due to the difficulty of simultaneously expanding tourism while promoting pro-poor tourism, most villages traverse one of two developmental pathways: 1) ensuring an inclusive structure before expanding, or 2) expanding before building an inclusive structure. This study compares four comparable cases in Southwestern China to understand the politics behind the decision to choose different pathways, and the impact each pathways has on local residents. While the first pathway requires a careful balance to maintain a pro-poor structure as tourism volume expands, the second pathway presents apparently insurmountable barriers to poverty reduction due to …