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Inequality and the polarizing impact of microcredit: evidence from Zambia's copperbelt

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  • James Copestake

    (University of Bath, UK)

Abstract

While much research has addressed the impact of microcredit on poverty, less attention has been paid to inequality. This paper draws on research on the Zambian Copperbelt to show how impact on income distribution depends upon who obtains loans, who graduates to larger loans, who exits and group dynamics. Some initial levelling up of business income was found, but the more marked overall effect among borrowers was of income polarisation. To gain a full picture, more research is needed into the wider impact of the big gainers not only on their competitors, customers and employees, but also on political tolerance of inequality. Copyright © 2002 John Wiley & Sons, Ltd.

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Bibliographic Info

Article provided by John Wiley & Sons, Ltd. in its journal Journal of International Development.

Volume (Year): 14 (2002)
Issue (Month): 6 ()
Pages: 743-755

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Handle: RePEc:wly:jintdv:v:14:y:2002:i:6:p:743-755

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Web page: http://www3.interscience.wiley.com/journal/5102/home

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  1. Kevane, Michael & Wydick, Bruce, 2001. "Microenterprise Lending to Female Entrepreneurs: Sacrificing Economic Growth for Poverty Alleviation?," World Development, Elsevier, Elsevier, vol. 29(7), pages 1225-1236, July.
  2. Hirschman, Albert O., 1973. "The changing tolerance for income inequality in the course of economic development," World Development, Elsevier, Elsevier, vol. 1(12), pages 29-36, December.
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Cited by:
  1. Heiko Fritz & Guenter Lang, 2012. "Microcredit, Human Capital, and Personal Income Distribution: Empirical Evidence from Greater Cairo," Working Papers, The German University in Cairo, Faculty of Management Technology 30, The German University in Cairo, Faculty of Management Technology.
  2. Paul Mosley & June Rock, 2004. "Microfinance, labour markets and poverty in Africa: a study of six institutions," Journal of International Development, John Wiley & Sons, Ltd., John Wiley & Sons, Ltd., vol. 16(3), pages 467-500.
  3. Mitlin, Diana & Hickey, Sam & Bebbington, Anthony, 2007. "Reclaiming Development? NGOs and the Challenge of Alternatives," World Development, Elsevier, Elsevier, vol. 35(10), pages 1699-1720, October.
  4. Asad K. Ghalib, 2011. "Estimating the depth of microfinance programme outreach: empirical findings from rural Pakistan," Brooks World Poverty Institute Working Paper Series, BWPI, The University of Manchester 15411, BWPI, The University of Manchester.
  5. Andrea Filippo Presbitero & Roberta Rabellotti, 2012. "Geographical Distance and Moral Hazard in Microcredit: Evidence from Colombia," Mo.Fi.R. Working Papers, Money and Finance Research group (Mo.Fi.R.) - Univ. Politecnica Marche - Dept. Economic and Social Sciences 58, Money and Finance Research group (Mo.Fi.R.) - Univ. Politecnica Marche - Dept. Economic and Social Sciences.
  6. Isabelle Agier & Ariane Szafarz, 2011. "Credit to Women Entrepreneurs: The Curse of the Trustworthier Sex," Working Papers CEB, ULB -- Universite Libre de Bruxelles 11-005, ULB -- Universite Libre de Bruxelles.
  7. Thorp, Rosemary & Stewart, Frances & Heyer, Amrik, 2005. "When and how far is group formation a route out of chronic poverty?," World Development, Elsevier, Elsevier, vol. 33(6), pages 907-920, June.
  8. 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.
  9. 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, Elsevier, vol. 40(11), pages 2249-2262.

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