Abstract While trust is critical to microlending groups, much less is known about the vital factors and mechanisms that foster its emergence in microlending groups. This paper examines the practices of trust building and use in microlending groups. The results suggest that trust is produced and developed in microlending groups through a combination of calculative, prediction, intentionality, capability and transference mechanisms. These mechanisms are not mutually exclusive but act together to build trust. Though trust has general characteristics, whether and how it is formed and developed in microlending groups depends on context-specific factors such as informal debt relations. Trust among group members is bolstered by multiplex relations of social events, neighbourhood, and friendship. The paper suggests that the unbanked population has a rich informal credit history.

中文翻译：

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基于团体的小额信贷中的信任建立机制：喀麦隆视角

摘要 虽然信任对小额贷款群体至关重要，但对促进其在小额贷款群体中出现的重要因素和机制知之甚少。本文考察了小额贷款团体中建立和使用信任的做法。结果表明，信任是通过计算、预测、意向、能力和转移机制的组合在小额贷款群体中产生和发展的。这些机制并不相互排斥，而是共同行动以建立信任。尽管信任具有一般特征，但它是否以及如何在小额贷款群体中形成和发展取决于特定环境的因素，例如非正式债务关系。社会事件、邻里和友谊的多重关系加强了团体成员之间的信任。