Edinam K Glover
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Conceptual
Assets from the commons, or perhaps the Arizona Opinion, as it is known various other circles, posits you to definitely got possessions and the means to access formal credit try actually relevant. Whether or not arrived possessions improves entry to formal credit or otherwise not has actually started during the hub of your discussion, which have differing simple facts, particularly for the global South. Yet another associated dimensions of one’s discussion inquiries the new implications out-of members of the family-help-mortgage agreements having fun with intra-family import out of property as security to help with an excellent member’s mortgage because of the establishing a fee towards the cumulative property. This paper looks at the usage arrived possessions since the collateral so you can supply specialized credit of financial institutions getting homes growth in brand new Tamale Urban Area (TMA) about North Region of Ghana. An important look question is: do specialized documents out-of got possessions just like the guarantee help in opening authoritative credit to own construction development in TMA? The research requires the use of when you look at the-depth interview to analyze the brand new feedback away from house designers, borrowing officers out-of common banks, and you will belongings title proprietors on cousin need for got possessions and use of borrowing for housing invention. The knowledge are analysed by means of thematic posts research. Brand new conclusions imply that even if got assets get subscribe the decision to give authoritative borrowing, this is not a switch-key services with ease recognized regarding latest lending choice. (بیشتر…)