NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH
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Rosca Meets Formal Credit Market

Hanming Fang, Rongzhu Ke, Li-An Zhou

NBER Working Paper No. 21683
Issued in October 2015

---- Acknowledgments ----

We would like to thank Jiahua Che, Larry Samuelson, Robert Townsend and seminar participants at Wisconsin-Madison, Duke, Shanghai Jiaotong University and Hong Kong University for useful comments and discussions. Any remaining errors are our own. Fang would like to acknowledge the financial support from National Science Foundation Grant SES-1122902. Ke gratefully acknowledges the financial support from Hong Kong Research Grant Council (Project # CUHK 447111). The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research.

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