This study aims to elucidate the mismatch between seasonality and the terms of microcredit, and to understand the impact of seasonality-adjusted microcredit. To do this, an RCT based experiment has been employed to evaluate the general claims of NGOs regarding moratoria during times of seasonality-induced hardship. Making use of both survey and experimental methods, the findings of this study will allow us to understand the consequences of flexible loan repayment rules during the lean periods, and how they affect both MFIs and participating borrowers.
