@techreport{oai:soar-ir.repo.nii.ac.jp:02001243,
 author = {Zhai, Yalei},
 month = {},
 note = {This study analyses the impact of internal conflicts, mainly focusing on borrowing and lending decisions of rural households in Northern Myanmar. While poor households sold livestock as a coping strategy to deal with income shocks coursed by conflict, they still had to borrow money from wealthier households. Note that wealthier households suffered huge economic losses in agricultural sector and then had lower incentives to invest in this sector in the post-conflict period. Instead, they began to be active in local financial market, by lending money with interest charged to poor households. Therefore, conflicts affect households through modifying rural informal credit market from kinship-based to market-oriented. Moreover, the damage to poor rural households from conflicts results in more expensive cost of coping strategies., Article, Faculty of Economics and Law Shinshu University Staff Paper Series  : 1-25(2022)},
 title = {The Impact of Violent Conflicts on Borrowing and Lending Behavior of Rural Households: Evidence from Northern Myanmar},
 year = {2022}
}