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The Benefits and Costs of Microfinance: Evidence from Bangladesh

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  • Matthieu Chemin

Abstract

Using the latest developments from the evaluation literature, namely the technique of matching, this paper shows a positive, but lower than previously thought, effect of microfinance on expenditure per capita, supply of labour, and level of school enrolment for boys and girls. For instance, participants spend 3 per cent more on average than non-participants in control villages. This paper also takes into account repayment delays to calculate the cost of credit provision. It shows how a better investigation at the individual level of the benefits brought and the cost borne could help microfinance institutions to better select their customers. JEL Classification: C14, D10, G21, I38, O12, O16

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Bibliographic Info

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

Volume (Year): 44 (2008)
Issue (Month): 4 ()
Pages: 463-484

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Handle: RePEc:taf:jdevst:v:44:y:2008:i:4:p:463-484

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Cited by:
  1. Pitt, Mark M. & Khandker, Shahidur R., 2012. "Replicating replication : due diligence in Roodman and Morduch's replication of Pitt and Khandker (1998)," Policy Research Working Paper Series 6273, The World Bank.
  2. Roodman, David & Morduch, Jonathan, 2013. "The Impact of Microcredit on the Poor in Bangladesh: Revisiting the Evidence," CEI Working Paper Series, Center for Economic Institutions, Institute of Economic Research, Hitotsubashi University 2013-02, Center for Economic Institutions, Institute of Economic Research, Hitotsubashi University.
  3. Duvendack, Maren, 2010. "Smoke and Mirrors: Evidence of Microfinance Impact from an Evaluation of SEWA Bank in India," MPRA Paper 24511, University Library of Munich, Germany.
  4. Duvendack, Maren & Palmer-Jones, Richard, 2011. "The microfinance of reproduction and the reproduction of microfinance: understanding the connections between microfinance, empowerment, contraception and fertility in Bangladesh in the 1990s," MPRA Paper 32384, University Library of Munich, Germany.
  5. Hermes, Niels & Lensink, Robert, 2011. "Microfinance: Its Impact, Outreach, and Sustainability," World Development, Elsevier, Elsevier, vol. 39(6), pages 875-881, June.
  6. Duvendack, Maren & Palmer-Jones, Richard, 2011. "High Noon for Microfinance Impact Evaluations: Re-investigating the Evidence from Bangladesh," MPRA Paper 27902, University Library of Munich, Germany.
  7. Dan Brockington & Nicola Banks, 2014. "Exploring the Success of BRAC Tanzania’s Microcredit Programme," Brooks World Poverty Institute Working Paper Series, BWPI, The University of Manchester 20214, BWPI, The University of Manchester.
  8. Shahidur R. Khandker & Hussain A. Samad, 2013. "Microfinance Growth and Poverty Reduction in Bangladesh: What Does the Longitudinal Data Say?," Working Papers, Institute of Microfinance (InM) 16, Institute of Microfinance (InM).
  9. Vuong Quoc, Duy, 2011. "Are households’ poverty levels in Mekong Delta of Vietnam affected by access to credit?," MPRA Paper 35412, University Library of Munich, Germany.
  10. Deininger, Klaus & Liu, Yanyan, 2013. "Economic and Social Impacts of an Innovative Self-Help Group Model in India," World Development, Elsevier, Elsevier, vol. 43(C), pages 149-163.
  11. Bah, El-hadj & Brada, Josef C. & Yigit, Taner, 2011. "With a little help from our friends: The effect of USAID assistance on SME growth in a transition economy," Journal of Comparative Economics, Elsevier, vol. 39(2), pages 205-220, June.
  12. Asad K. Ghalib & Issam Malki & Katsushi S. Imai, 2012. "Microfinance and its role in household poverty reduction: findings from Pakistan," Brooks World Poverty Institute Working Paper Series, BWPI, The University of Manchester 17312, BWPI, The University of Manchester.

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