Munich Personal RePEc Archive

Credit cooperatives: Market structure, competition, and conduct. Exploring the case of Paraguay

Schneider, Andreas (2020): Credit cooperatives: Market structure, competition, and conduct. Exploring the case of Paraguay.

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Abstract

Measures of concentration and competition in the financial sector are important to determine public policies. However, cooperatives, and in particular in the context of small developing countries are largely ignored in economic literature. The empirical analysis is descriptive due to data availability and analysis the loan market of large credit cooperatives. However, findings are indicative and tentative. Results show that, in general, a) the cooperative system is highly concentrated, b) the loan market of large financial cooperatives is not concentrated, c) however, most loan modalities are highly concentrated, some are competitive and some are not, d) there is no indicative evidence of market abuse of the three largest credit cooperatives.

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