Country research desk
Household debt, finance and social protection
Over-indebtedness, land collateral, refinancing, information asymmetry, coercive collection, weak insolvency, and thin safety nets transfer risk to households.
This mechanism spine is a research hypothesis supplied by the package and must be tested expression by expression.
10 expressions
- Household over-indebtedness khm-structural-041
- Land-title collateralization and debt-driven distress sales khm-structural-042
- Multiple borrowing and refinancing old loans with new debt khm-structural-043
- Information asymmetry between lenders and low-income borrowers khm-structural-044
- Aggressive or coercive debt-collection practices khm-structural-045
- Absence of accessible personal insolvency and debt-restructuring mechanisms khm-structural-046
- Social-insurance gaps for informal and self-employed workers khm-structural-047
- Unequal access to unemployment, sickness and maternity protection khm-structural-048
- Insufficient shock-responsive assistance after disasters or recessions khm-structural-049
- Household reliance on debt to pay for health care, education and emergencies khm-structural-050