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The Impact of Microfinance Loans on the Clients' Enterprises: Caja Los Andes, Bolivia

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Abstract

This paper analyzes the impact of microfinance loans on productivity and growth of micro-enterprises using a unique client database from Caja Los Andes, one of the leading microfinance providers in Bolivia. Our results show that the clients put the additional funds to good use: Clients with a higher number and a higher average size of prior loans are found to have higher growth rates than other clients. The effects on productivity depend on the size of the business. Surprisingly, clients with larger businesses benefit more from prior loans than others.

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File URL: http://www.vwl.uni-mannheim.de/gk/wp/gkwp-2001-03.pdf
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File URL: http://www.vwl.uni-mannheim.de/gk/wp/gkwp-2001-03.ps
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Bibliographic Info

Paper provided by Post Graduate Programme "Allocation on Financial Markets", University of Mannheim in its series GK working paper series with number 2001-03.

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Length: 37 pages
Date of creation: Mar 2001
Date of revision: Nov 2001
Handle: RePEc:xrs:gkwopa:2001-03

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Postal: 68131 Mannheim
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Fax: +49 621 181 1774
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Web page: http://www.vwl.uni-mannheim.de/gk
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Keywords: Microfinance; Microenterprise development; micro-enterprise growth; Impact analysis;

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References

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  1. Besley, T. & Levenson, A., 1993. "The Role of Informal Finance in Household Capital Accumulation: Evidence from Taiwan," Papers 171, Princeton, Woodrow Wilson School - Development Studies.
  2. Kochar, Anjini, 1997. "An empirical investigation of rationing constraints in rural credit markets in India," Journal of Development Economics, Elsevier, vol. 53(2), pages 339-371, August.
  3. P. Mosley, 2001. "Microfinance and Poverty in Bolivia," Journal of Development Studies, Taylor & Francis Journals, vol. 37(4), pages 101-132.
  4. María Beatriz Orlando & Molly Pollack, 2000. "Microenterprises and Poverty: Evidence from Latin America," IDB Publications 40818, Inter-American Development Bank.
  5. Claudio Gonzalez-Vega & Richard L. Meyer & Sergio Navajas & Mark Schreiner & Jorge Rodriguez-Meza & Guillermo Monje, 2001. "Microfinance Market Niches and Client Profiles in Bolivia," Computational Economics 0109002, EconWPA.
  6. J. Copestake & S. Bhalotra & S. Johnson, 2001. "Assessing the Impact of Microcredit: A Zambian Case Study," Journal of Development Studies, Taylor & Francis Journals, vol. 37(4), pages 81-100.
  7. McPherson, Michael A., 1996. "Growth of micro and small enterprises in southern Africa," Journal of Development Economics, Elsevier, vol. 48(2), pages 253-277, March.
  8. Navajas, Sergio & Schreiner, Mark & Meyer, Richard L. & Gonzalez-vega, Claudio & Rodriguez-meza, Jorge, 2000. "Microcredit and the Poorest of the Poor: Theory and Evidence from Bolivia," World Development, Elsevier, vol. 28(2), pages 333-346, February.
  9. 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, vol. 106(5), pages 958-996, October.
  10. Coleman, Brett E., 1999. "The impact of group lending in Northeast Thailand," Journal of Development Economics, Elsevier, vol. 60(1), pages 105-141, October.
  11. Beatriz Armendáriz de Aghion & Jonathan Morduch, 2000. "Microfinance Beyond Group Lending," The Economics of Transition, The European Bank for Reconstruction and Development, vol. 8(2), pages 401-420, July.
  12. Mark M. Pitt & Shahidur R. Khandker & Omar Haider Chowdhury & Daniel L. Millimet, 1998. "Credit Programs for the Poor and the Nutritional Status of Children in Rural Bangladesh," Working Papers 98-4, Brown University, Department of Economics, revised 16 Jan 1998.
  13. Francis Vella, 1998. "Estimating Models with Sample Selection Bias: A Survey," Journal of Human Resources, University of Wisconsin Press, vol. 33(1), pages 127-169.
  14. Ulrike Vogelgesang, 2000. "Investigating Microfinance: Caja Los Andes, Bolivia," GK working paper series 2001-01, Post Graduate Programme "Allocation on Financial Markets", University of Mannheim, revised Nov 2001.
  15. Shahidur Khandker & Hussain Samad & Zahed Khan, 1998. "Income and employment effects of micro-credit programmes: Village-level evidence from Bangladesh," Journal of Development Studies, Taylor & Francis Journals, vol. 35(2), pages 96-124.
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