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Welfare Impacts of Microcredit Programmes: An Empirical Investigation in the State‐Designated Poor Counties of Shaanxi, China

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  • M. Wakilur Rahman
  • Jianchao Luo
  • Zhao Minjuan

Abstract

This paper evaluates the welfare impacts of microcredit programmes and the activities of non‐governmental organization microfinance service providers in state‐designated poor counties of Shaanxi, China. Study results suggest positive impacts on microcredit programme participants with respect to increased income (by 4.07 per cent), general expenditures (6.45 per cent) and savings (3.13 per cent). Top income quartile participants experience more benefits, and women gain greater access to decision‐making. These findings suggest that successful and sustainable microcredit intervention improves lives and plays an important role in improving rural economy, possibly reducing inequality between rural and urban areas in China. Copyright © 2014 John Wiley & Sons, Ltd.

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  • M. Wakilur Rahman & Jianchao Luo & Zhao Minjuan, 2015. "Welfare Impacts of Microcredit Programmes: An Empirical Investigation in the State‐Designated Poor Counties of Shaanxi, China," Journal of International Development, John Wiley & Sons, Ltd., vol. 27(7), pages 1012-1026, October.
    • Handle: RePEc:wly:jintdv:v:27:y:2015:i:7:p:1012-1026
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    Cited by:

    1. Dalia Debnath & Md. Sadique Rahman & Debasish Chandra Acharjee & Waqas Umar Latif & Linping Wang, 2019. "Empowering Women through Microcredit in Bangladesh: An Empirical Study," IJFS, MDPI, vol. 7(3), pages 1-11, July.
    2. Jinnat Ara & Dipanwita Sarkar, 2021. "Customized Credit Transfer and Women Empowerment: Evidence from Randomized Controlled Trials in Bangladesh," QuBE Working Papers 062, QUT Business School.
    3. Mohamed Abdallah Ali & Mazhar Mughal & Dina Chhorn, 2022. "Microfinance and poverty reduction: Evidence from Djibouti," Review of Development Economics, Wiley Blackwell, vol. 26(2), pages 1189-1224, May.
    4. Zhao Ding & Awudu Abdulai, 2020. "An Analysis of the Factors Influencing Choice of Microcredit Sources and Impact of Participation on Household Income," Journal of International Development, John Wiley & Sons, Ltd., vol. 32(4), pages 505-525, May.

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