Microfinance Council of the Philippines

A Closer Look at Multiple Borrowing in the Philippines

January 1, 2012adminTechnical Notes

by Johan N. Diaz and Jesila M. Ledesma
December 2011

Background
With increasing cases of over-indebtedness among microfinance clients, multiple borrowing is getting its share of unfavourable limelight. Research on the Indian microfinance sector, for instance, identified product design constraints such as mismatch between the size of the loan and the financial needs of the clients, as one main reason for turning to other sources of funds.
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