Abstract
This paper studies the 'wholesale' market through which microfinance institutions (MFIs) in Peru, Tanzania and the state of Tamil Nadu in India obtain loans from a variety of domestic and international funding bodies. The focus is on the extent to which patterns in wholesale lending relationships relate to the legal status and characteristics of MFIs; to the regulatory, business and social environment in which they operate and to shifts in the balance between social and commercial interests of diverse types of lenders. The analysis, with data on 120 microfinance organisations over the period 2006-2008, brings to light considerable cross-country variation and relates it primarily to differences in governance and regulation.
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