The aim of this chapter is to examine repayment behavior in the context of geographical classification and loan design; we also empirically evaluate the impact of seasonally adjusted microcredit, implemented as per the RCT, to assess the general claims by NGOs vis-à-vis a suspension of loan payments during monga. Using both survey and experimental methods, this chapter allows us to see the consequences for both MFIs and the participating borrowers of implementing flexible loan repayment rules during lean periods.
