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Aspects of Outreach: A Framework for the Discussion of the Social Benefits of Microfinance

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  • Mark Schreiner

    (Washington University in St. Louis)

Abstract

Wide agreement about the goal of microfinance--to improve the welfare of the poor--has not led to wide agreement about how best to achieve that goal. To aid discussion, I propose a framework for outreach--the social benefits of microfinance--in terms of six aspects: worth, cost, depth, breadth, length, and scope. The framework encompasses both the poverty approach to microfinance and the self-sustainability approach. The poverty approach assumes that great depth of outreach can compensate for narrow breadth, short length, and limited scope. The self-sustainability approach assumes that wide breadth, long length, and ample scope can compensate for shallow depth. I show how to use the framework for BancoSol of Bolivia.

Suggested Citation

  • Mark Schreiner, 2001. "Aspects of Outreach: A Framework for the Discussion of the Social Benefits of Microfinance," Development and Comp Systems 0109003, EconWPA.
  • Handle: RePEc:wpa:wuwpdc:0109003
    Note: Type of Document - Adobe Acrobat 3.0; prepared on Windows 98; to print on Adobe Acrobat 3.0; pages: ; figures: Included in pdf file
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    References listed on IDEAS

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    1. Gonzalez-Vega, Claudio & Meyer, Richard L. & Navajas, Sergio & Schreiner, Mark & Rodriguez-Meza, Jorge & Monje, Guillermo F., 1996. "Microfinance Market Niches And Client Profiles In Bolivia," Economics and Sociology Occasional Papers 28332, Ohio State University, Department of Agricultural, Environmental and Development Economics.
    2. North, Douglass C, 1994. "Economic Performance through Time," American Economic Review, American Economic Association, vol. 84(3), pages 359-368, June.
    3. Xavier Giné & Pamela Jakiela & Dean Karlan & Jonathan Morduch, 2010. "Microfinance Games," American Economic Journal: Applied Economics, American Economic Association, vol. 2(3), pages 60-95, July.
    4. Morduch, Jonathan, 2000. "The Microfinance Schism," World Development, Elsevier, vol. 28(4), pages 617-629, April.
    5. repec:pri:rpdevs:morduch_microfinance_poor is not listed on IDEAS
    6. 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.
    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, vol. 106(5), pages 958-996, October.
    8. Marc Bendick Jr. & Mary Lou Egan, 1987. "Transfer Payment Diversion for Small Business Development: British and French Experience," ILR Review, Cornell University, ILR School, vol. 40(4), pages 528-542, July.
    9. Conning, Jonathan, 1999. "Outreach, sustainability and leverage in monitored and peer-monitored lending," Journal of Development Economics, Elsevier, vol. 60(1), pages 51-77, October.
    10. Jonathan Morduch, 1998. "Does Microfinance Really Help the Poor? New Evidence from Flagship Programs in Bangladesh," Working Papers 198, Princeton University, Woodrow Wilson School of Public and International Affairs, Research Program in Development Studies..
    11. Mosley, Paul & Hulme, David, 1998. "Microenterprise finance: Is there a conflict between growth and poverty alleviation?," World Development, Elsevier, vol. 26(5), pages 783-790, May.
    Full references (including those not matched with items on IDEAS)

    Citations

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    Cited by:

    1. Francesc Prior & Antonio Argandoña, 2009. "Best Practices in Credit Accessibility and Corporate Social Responsibility in Financial Institutions," Journal of Business Ethics, Springer, vol. 87(1), pages 251-265, April.
    2. Nogales Carvajal, Cristian Ricardo, 2008. "El éxito de la autorregulación de las instituciones microfinancieras en Bolivia: una prueba empírica
      [The success of micro financial institutions' auto-regulation: empiric evidence of the Bolivian
      ," MPRA Paper 53018, University Library of Munich, Germany, revised Dec 2008.
    3. Mark Schreiner, 2001. "Seven Aspects of Loan Size," Development and Comp Systems 0109001, EconWPA.
    4. Dufhues, Thomas & Buchenrieder, Gertrud, 2005. "Outreach of credit institutes and households' access constraints to formal credit in Northern Vietnam," Research in Development Economics and Policy (Discussion Paper Series) 8535, Universitaet Hohenheim, Department of Agricultural Economics and Social Sciences in the Tropics and Subtropics.
    5. Mersland, Roy, 2009. "The Cost of Ownership in Microfinance Organizations," World Development, Elsevier, vol. 37(2), pages 469-478, February.
    6. Mersland, Roy & Strøm, Reidar Øystein, 2007. "Performance and corporate governance in microfinance institutions," MPRA Paper 3888, University Library of Munich, Germany.
    7. Roy Mersland & Ludovic Urgeghe, 2011. "Performance and international investments in microfinance institutions," Working Papers CEB 11-054, ULB -- Universite Libre de Bruxelles.

    More about this item

    Keywords

    Outreach; sustainability; cost-benefit analysis; cost-effectiveness analysis;

    JEL classification:

    • J23 - Labor and Demographic Economics - - Demand and Supply of Labor - - - Labor Demand
    • I3 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty
    • N3 - Economic History - - Labor and Consumers, Demography, Education, Health, Welfare, Income, Wealth, Religion, and Philanthropy

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