Microloansharking
The New York Times home page is carrying a story this evening about how banks and financial institutions are entering the microloan business and — gasp! — giving loans to poor people in poor countries. But there’s a catch:
But the phenomenon has grown so popular that some of its biggest proponents are now wringing their hands over the direction it has taken. Drawn by the prospect of hefty profits from even the smallest of loans, a raft of banks and financial institutions now dominate the field, with some charging interest rates of 100 percent or more from their impoverished customers.
Without giving much in the way of details, other than dropping the name of Deutsche Bank, and some interest rates that appear high (though no comparison is given to what loan shark or grey-market credit rates are), the Times suggests that this once good-hearted enterprise is now falling drip to the tentacles of capitalism.
Folks, this is a feature and not a bug. One of the longstanding criticisms of microlending is that it isn’t scalable. If you or your foundation lend a few hundred dollars to a group of women weaving baskets in Bangladesh, and they grow their business, we all pat you on the back. But what’s the next step? What if this group wants to expand further, or move into related enterprises? How does microlending help them? Answer: it doesn’t.
The only way that microlending works to really help poor countries become rich is if it serves as a bridge to the formal financial sector, so that a $100 loan today becomes a $1,000 loan next year and a $10,000 loan the year after that. That’s growth. That’s enterprise. That’s meaningful poverty alleviation through capitalism. And that’s not something that the charitable microlending sector can accomplish, any more than charity can help me get a mortgage or a car loan.
We should be applauding international financial institutions, with access to trillions of dollars or capital, who get into the microlending business. That’s the only way this process works in any meaningful sense. Otherwise, all we’re doing is marginally expanding arts and crafts enterprises and leaving the poor dependent upon the charity of wealthy nations. That’s not meaningful development.
If microlending sharks are charging exorbitant interest rates, then presumably people will get their money elsewhere or choose not to take out loans. But the Times has an answer to that:
But poor borrowers are often too inexperienced and too harried to understand what they are being charged, experts said.
Ah, the poor are too stupid to engage in commercial transactions! They should only be able to get loans through well-meaning charities! Your new-caught, sullen peoples cannot be trusted in the worlds of contracts and commerce!
Perhaps — just perhaps — poor entrepreneurs know what they’re doing and are making decisions that are responsible based on their needs, skills, and goals. And perhaps allowing these people to participate in the international flow of capital and commerce that those of us in rich countries take for granted expands their opportunities and doesn’t make them victims.
The expansion of the international finance community into microlending is a development to be applauded. It means that poor entrepreneurs are increasingly moving into the formal economy, becoming banked, and developing relationships that will open their access to vast amounts of capital.
We should celebrate this, not condemn it.
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