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Microfinance and Poverty Alleviation

Listed author(s):
  • Augsburg, B.
  • de Haas, R.

    (Tilburg University, Center For Economic Research)

  • Harmgart, H.
  • Meghir, C.

Abstract: We use an RCT to analyze the impact of microcredit on poverty reduction. The study population consists of loan applicants to a large microfinance institution in Bosnia and Herzegovina who would have been rejected through regular screening. Access to credit allowed borrowers to start and expand small-scale businesses. THe re is little evidence that this lead to net increases in household income. Households that already had a business and where the borrower had more education, ran down savings, presumably to complement the loan and achieve the minimum investment amount. In less-educated households, where assets were low consumption went down instead. For these households the labor supply of teenage children aged 16-19 increased, and their school attendance declined.

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File URL: https://pure.uvt.nl/portal/files/1557839/2013-075.pdf
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Paper provided by Tilburg University, Center for Economic Research in its series Discussion Paper with number 2013-075.

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Date of creation: 2013
Handle: RePEc:tiu:tiucen:de1a02e2-7943-41ae-bf31-b5dbf4fc115d
Contact details of provider: Web page: http://center.uvt.nl

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  1. de Mel, Suresh & McKenzie, David J. & Woodruff, Christopher, 2009. "Measuring microenterprise profits: Must we ask how the sausage is made?," Journal of Development Economics, Elsevier, vol. 88(1), pages 19-31, January.
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  10. repec:pri:rpdevs:morduch_microfinance_poor is not listed on IDEAS
  11. 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.
  12. Joseph P. Kaboski & Robert M. Townsend, 2011. "A Structural Evaluation of a Large‐Scale Quasi‐Experimental Microfinance Initiative," Econometrica, Econometric Society, vol. 79(5), pages 1357-1406, September.
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  15. 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 151-160, February.
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