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The Impacts of Microcredit: Evidence from Bosnia and Herzegovina

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  • Britta Augsburg
  • Ralph De Haas
  • Heike Harmgart
  • Costas Meghir

Abstract

We use an RCT to analyze the impacts of microcredit. The study population consists of loan applicants who were marginally rejected by an MFI in Bosnia. A random subset of these were offered a loan. We provide evidence of higher self-employment, increases in inventory, a reduction in the incidence of wage work and an increase in the labor supply of 16-19 year olds in the household’s business. We also present some evidence of increases in profits and a reduction in consumption and savings. There is no evidence that the program increased overall household income.

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Bibliographic Info

Paper provided by National Bureau of Economic Research, Inc in its series NBER Working Papers with number 18538.

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Date of creation: Nov 2012
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Handle: RePEc:nbr:nberwo:18538

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  1. Fafchamps, Marcel; McKenzie; Quinn, Simon; Woodruff, Christopher, 2011. "When is capital enough to get female microenterprises growing? Evidence from a randomized experiment in Ghana," CAGE Online Working Paper Series, Competitive Advantage in the Global Economy (CAGE) 50, Competitive Advantage in the Global Economy (CAGE).
  2. Abhijit Banerjee & Sendhil Mullainathan, 2010. "The Shape of Temptation: Implications for the Economic Lives of the Poor," NBER Working Papers 15973, National Bureau of Economic Research, Inc.
  3. de Mel, Suresh & McKenzie, David & Woodruff, Christopher, 2008. "Are women more credit constrained ? experimental evidence on gender and microenterprise returns," Policy Research Working Paper Series 4746, The World Bank.
  4. Joseph P. Kaboski & Robert M. Townsend, 2011. "A Structural Evaluation of a Large‐Scale Quasi‐Experimental Microfinance Initiative," Econometrica, Econometric Society, Econometric Society, vol. 79(5), pages 1357-1406, 09.
  5. Dean Karlan & Jonathan Zinman, 2007. "Expanding Credit Access: Using Randomized Supply Decisions to Estimate the Impacts," Working Papers, Economic Growth Center, Yale University 956, Economic Growth Center, Yale University.
  6. Jacoby, Hanan G, 1994. "Borrowing Constraints and Progress through School: Evidence from Peru," The Review of Economics and Statistics, MIT Press, vol. 76(1), pages 151-60, February.
  7. Mark M. Pitt & Shahidur R. Khandker, 1998. "The Impact of Group-Based Credit Programs on Poor Households in Bangladesh: Does the Gender of Participants Matter?," Journal of Political Economy, University of Chicago Press, University of Chicago Press, vol. 106(5), pages 958-996, October.
  8. Orazio Attanasio & Britta Augsburg & Ralph De Haas & Emla Fitzsimons & Heike Harmgart, 2011. "Group lending or individual lending? Evidence from a randomised field experiment in Mongolia," Working Papers, European Bank for Reconstruction and Development, Office of the Chief Economist 136, European Bank for Reconstruction and Development, Office of the Chief Economist.
  9. Beegle, Kathleen & Dehejia, Rajeev H. & Gatti, Roberta, 2006. "Child labor and agricultural shocks," Journal of Development Economics, Elsevier, Elsevier, vol. 81(1), pages 80-96, October.
  10. Feigenberg, Benjamin & Field, Erica M. & Pande, Rohini, 2010. "Building Social Capital through Microfinance," Working Paper Series, Harvard University, John F. Kennedy School of Government rwp10-019, Harvard University, John F. Kennedy School of Government.
  11. Jacoby, Hanan G & Skoufias, Emmanuel, 1997. "Risk, Financial Markets, and Human Capital in a Developing Country," Review of Economic Studies, Wiley Blackwell, Wiley Blackwell, vol. 64(3), pages 311-35, July.
  12. David Atkin, 2010. "Endogenous Skill Acquisition and Export Manufacturing in Mexico," Working Papers id:2506, eSocialSciences.
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Cited by:
  1. de Hoop, Jacobus & Rosati, Furio C., 2013. "Cash Transfers and Child Labour," IZA Discussion Papers 7496, Institute for the Study of Labor (IZA).
  2. Attanasio, O. & Augsburg, B. & Haas, R. de & Fitzsimons, E. & Harmgart, H., 2013. "Group Lending or Individual Lending? Evidence from a Randomized Field Experiment in Rural Mongolia," Discussion Paper, Tilburg University, Center for Economic Research 2013-074, Tilburg University, Center for Economic Research.

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