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Assessing the Impact of Microcredit: A Zambian Case Study

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Author Info

  • J. Copestake
  • S. Bhalotra
  • S. Johnson

Abstract

Expectations are high, but evidence of the impact of microcredit remains in short supply. This article estimates the impact of an urban credit programme in Zambia on business performance and on a range of indicators of wellbeing. Borrowers who obtained a second loan experienced significantly higher average growth in business profits and household income. Inflexible group enforcement of loan obligations resulted in some borrowers, especially amongst those who had taken only one loan, being made worse off. Our methodological investigations suggest that the supply of rigorous impact studies can be increased by basing them on data collection that serves a wider range of purposes, including market research.

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Bibliographic Info

Article provided by Taylor & Francis Journals in its journal Journal of Development Studies.

Volume (Year): 37 (2001)
Issue (Month): 4 ()
Pages: 81-100

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Handle: RePEc:taf:jdevst:v:37:y:2001:i:4:p:81-100

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Related research

Keywords: Microcredit; Urban Credit Programme; Household Incomes; Business Profits; Zambia;

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Cited by:
  1. Christopher J. Green & Victor Murinde, 2003. "Flow of funds: implications for research on financial sector development and the real economy," Journal of International Development, John Wiley & Sons, Ltd., vol. 15(8), pages 1015-1036.
  2. Shaw, Judith, 2004. "Microenterprise Occupation and Poverty Reduction in Microfinance Programs: Evidence from Sri Lanka," World Development, Elsevier, vol. 32(7), pages 1247-1264, July.
  3. McIntosh, Craig & Villaran, Gonzalo & Wydick, Bruce, 2011. "Microfinance and Home Improvement: Using Retrospective Panel Data to Measure Program Effects on Fundamental Events," World Development, Elsevier, vol. 39(6), pages 922-937, June.
  4. Copestake, James & Johnson, Susan & Wright, Katie, 2002. "Impact Assessment of Microfinance: Towards a New Protocol for Collection and Analysis of Qualitative Data," Working Papers 23746, University of Sussex, Imp-Act: Improving the Impact of Microfinance on Poverty: Action Research Program.
  5. van Rooyen, C. & Stewart, R. & de Wet, T., 2012. "The Impact of Microfinance in Sub-Saharan Africa: A Systematic Review of the Evidence," World Development, Elsevier, vol. 40(11), pages 2249-2262.
  6. Shahidur R. Khandker & Hussain A. Samad, 2013. "Microfinance Growth and Poverty Reduction in Bangladesh: What Does the Longitudinal Data Say?," Working Papers 16, Institute of Microfinance (InM).
  7. Gareth A. Jones & Anthea Dallimore, 2009. "Wither participatory banking?: experiences with village banks in South Africa," LSE Research Online Documents on Economics 23354, London School of Economics and Political Science, LSE Library.
  8. Ulrike Vogelgesang, 2001. "The Impact of Microfinance Loans on the Clients' Enterprises: Caja Los Andes, Bolivia," GK working paper series 2001-03, Post Graduate Programme "Allocation on Financial Markets", University of Mannheim, revised Nov 2001.
  9. Sophie Brana & Yves Jégourel, 2011. "Breadth and depth of french microfinance outreach : an evaluation," Working Papers hal-00637689, HAL.
  10. Jyotirmayee Kar, 2008. "Improving Economic Position of Women through Microfinance: Case of a Backward Area, Mayurbhanj-Orissa, India," Indus Journal of Management & Social Science (IJMSS), Department of Business Administration, vol. 2(1), pages 15-28, June.
  11. Andrea Filippo Presbitero & Roberta Rabellotti, 2012. "Geographical Distance and Moral Hazard in Microcredit: Evidence from Colombia," Mo.Fi.R. Working Papers 58, Money and Finance Research group (Mo.Fi.R.) - Univ. Politecnica Marche - Dept. Economic and Social Sciences.
  12. M.A. Akudugu, 2011. "Rural banks' financial capital and livelihoods development of women farmers in Ghana," Journal of Enterprising Communities: People and Places in the Global Economy, Emerald Group Publishing, vol. 5(2), pages 248-264, September.
  13. Gulyani, Sumila & Talukdar, Debabrata, 2010. "Inside Informality: The Links Between Poverty, Microenterprises, and Living Conditions in Nairobi's Slums," World Development, Elsevier, vol. 38(12), pages 1710-1726, December.
  14. repec:eme:jecpps:v:5:y:2011:i:4:p:248-264 is not listed on IDEAS
  15. James C. Brau & Gary M. Woller, 2004. "Microfinance: A Comprehensive Review of the Existing Literature," Journal of Entrepreneurial Finance, Pepperdine University, Graziadio School of Business and Management, vol. 9(1), pages 1-28, Spring.
  16. Nidhiya Menon, 2006. "Non-linearities in returns to participation in Grameen Bank programs," Journal of Development Studies, Taylor & Francis Journals, vol. 42(8), pages 1379-1400.
  17. Sievers, Merten & Vandenberg, Paul, 2007. "Synergies through Linkages: Who Benefits from Linking Micro-Finance and Business Development Services?," World Development, Elsevier, vol. 35(8), pages 1341-1358, August.
  18. Justin van der Sluis & Mirjam van Praag & Wim Vijverberg, 2003. "Entrepreneurship Selection and Performance," Tinbergen Institute Discussion Papers 03-046/3, Tinbergen Institute, revised 24 Sep 2004.
  19. Dan Brockington & Nicola Banks, 2014. "Exploring the Success of BRAC Tanzania’s Microcredit Programme," Brooks World Poverty Institute Working Paper Series 20214, BWPI, The University of Manchester.

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