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Impacts of Household Credit on Education and Healthcare Spending by the Poor in Peri-urban Areas in Vietnam

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Author Info

  • Tinh Doan

    ()
    (Ministry of Economic Development)

  • John Gibson

    ()
    (University of Waikato)

  • Mark Holmes

    ()
    (University of Waikato)

Abstract

There is debate about whether microfinance has positive impacts on education and health for borrowing households in developing countries. To provide evidence for this debate we use a new survey designed to meet the conditions for propensity score matching (PSM) and examine the impact of household credit on education and healthcare spending by the poor in peri-urban areas of Ho Chi Minh City, Vietnam. In addition to matching statistically identical non-borrowers with borrowers, our estimates also control for household pre-treatment income and assets, which may be associated with unobservable factors affecting both credit participation and the outcomes of interest. The PSM estimates of binary treatment effect show significant and positive impacts of borrowing on education and healthcare spending. However, multiple ordered treatment effect estimates reveal that only formal credit has significant and positive impacts on education and healthcare spending, while informal credit has insignificant impacts on the spending.

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File URL: ftp://mngt.waikato.ac.nz/RePEc/wai/econwp/1106.pdf
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Bibliographic Info

Paper provided by University of Waikato, Department of Economics in its series Working Papers in Economics with number 11/06.

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Length: 25 pages
Date of creation: 23 May 2011
Date of revision:
Handle: RePEc:wai:econwp:11/06

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Keywords: matching; education and healthcare spending; household credit; the poor; peri-urban; Vietnam;

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  1. Rajeev H. Dehejia & Sadek Wahba, 2002. "Propensity score matching methods for non-experimental causal studies," Discussion Papers 0102-14, Columbia University, Department of Economics.
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Cited by:
  1. You, Jing, 2013. "The role of microcredit in older children’s nutrition: Quasi-experimental evidence from rural China," Food Policy, Elsevier, vol. 43(C), pages 167-179.
  2. Jing You & Samuel Annim, 2013. "The impact of microcredit on child education: quasi-experimental evidence from rural China," Brooks World Poverty Institute Working Paper Series 18313, BWPI, The University of Manchester.

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