Scott Gaul By Scott Gaul Research16 July 2013 Microcredit Interest Rates and Their Determinants: 2004–2011 This paper provides updated information on microcredit market developments for 2004 through 2011. Blog08 March 2011 Measuring Cross-indebtedness in Latin America While over-indebtedness can be difficult to observe in practice, we can use simple surveys to estimate one proxy for over-indebtedness: cross-indebtedness, or the number of institutions from which the typical borrower has a loan.