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MDGs and Microcredit: An Empirical Evaluation for Latin American Countries

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Author Info
Ricardo Bebczuk () (Centro de Estudios Distributivos, Laborales y Sociales (CEDLAS) - Universidad Nacional de La Plata; Washington University in St. Louis)
Francisco Haimovich (Universidad de San Andrés)

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Abstract

This study uses for the first time household survey data from a number of Latin American countries to investigate the degree and effects of the access to credit on the income and education of poor households. With this goal in mind, multivariate regressions are run to estimate the impact of the credit to the poor on their labor income and on the probability of their children to stay at both primary and secondary school. Afterwards, based on these results, alternative credit policies are simulated. Much in line with the available microcredit evidence, the study provides mixed results: while no negative effects are identified, positive and significant loadings are found in several, but not all cases. The simulation exercises support the claim that microcredit might be a relatively powerful but still limited tool for meeting the MDGs.

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Publisher Info
Paper provided by CEDLAS, Universidad Nacional de La Plata in its series Working Papers with number 0048.

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Length: 48 pages
Date of creation: Apr 2007
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Handle: RePEc:dls:wpaper:0048

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Find related papers by JEL classification:
D3 - Microeconomics - - Distribution
G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Mortgages
O54 - Economic Development, Technological Change, and Growth - - Economywide Country Studies - - - Latin America; Caribbean

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References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
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    Other versions:
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    Other versions:
  21. Francisco Haimovich & Hernán Winkler, 2005. "Pobreza Rural y Urbana en Argentina: Un Análisis de Descomposiciones," Working Papers 0024, CEDLAS, Universidad Nacional de La Plata. [Downloadable!]
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Full references

Cited by:
(explanations, Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.)

  1. Kondo, Toshio & Orbeta, Aniceto C. & Dingcong, Clarence G. & Infantado, Christine, 2008. "Impact of Microfinance on Rural Households in the Philippines," Discussion Papers DP 2008-05, Philippine Institute for Development Studies. [Downloadable!]
  2. Ricardo N. Bebczuk, 2008. "Dolarización y Pobreza en Ecuador," Working Papers 0066, CEDLAS, Universidad Nacional de La Plata. [Downloadable!]
  3. Walter Sosa Escudero & Anil K. Bera, 2008. "Tests for Unbalanced Error Component Models Under Local Misspecication," Working Papers 0065, CEDLAS, Universidad Nacional de La Plata. [Downloadable!]
  4. Paula Giovagnoli, 2007. "Failures in school progression," Working Papers 0050, CEDLAS, Universidad Nacional de La Plata. [Downloadable!]
  5. Diego Battiston & Francisco Franchetti, 2008. "Inequality in Health Coverage, Empirical Analysis with Microdata for Argentina 2006," Working Papers 0063, CEDLAS, Universidad Nacional de La Plata. [Downloadable!]
  6. Ricardo N. Bebczuk, 2008. "Financial Inclusion in Latin America and the Caribbean: Review and Lessons," Working Papers 0068, CEDLAS, Universidad Nacional de La Plata. [Downloadable!]
  7. Mariana Marchionni & Germán Bet & Ana Pacheco, 2007. "Empleo, Educación y Entorno Social de los Jóvenes: Una Nueva Fuente de Información," Working Papers 0061, CEDLAS, Universidad Nacional de La Plata. [Downloadable!]
  8. Leopoldo Tornarolli & Adriana Conconi, 2007. "Informalidad y Movilidad Laboral: Un Análisis Empírico para Argentina," Working Papers 0059, CEDLAS, Universidad Nacional de La Plata. [Downloadable!]
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