The Diffusion of Microfinance
The Diffusion of Microfinance
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DOI：
10.1126/science.1236498
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发表时间：
2013-07-26
期刊：
影响因子：
56.9
通讯作者：
Jackson, Matthew O.
中科院分区：
文献类型：
--
作者：
Banerjee, Abhijit;Chandrasekhar, Arun G.;Jackson, Matthew O.
为了研究注入点的选择对新产品在社会中传播的影响，我们开发了一个口碑传播模型，然后将其应用于社交网络数据以及 43 个印度村庄新推出的小额信贷计划的参与情况。我们的模型使我们能够区分邻居之间的信息传递与邻居参与决策的直接影响，以及参与者与非参与者之间的信息传递。该模型估计表明，参与者传递信息的可能性是知情的非参与者的七倍，但非参与者传递的信息仍约占最终参与的三分之一。如果知情的朋友参与，知情的家庭也不会更有可能参与。然后，我们提出了两项新措施来衡量特定家庭作为注入点的有效性。我们表明，根据这些措施，注入点的中心性构成了最终村级参与的强有力且重要的预测因素。
To study the impact of the choice of injection points in the diffusion of a new product in a society, we developed a model of word-of-mouth diffusion and then applied it to data on social networks and participation in a newly available microfinance loan program in 43 Indian villages. Our model allows us to distinguish information passing among neighbors from direct influence of neighbors' participation decisions, as well as information passing by participants versus nonparticipants. The model estimates suggest that participants are seven times as likely to pass information compared to informed nonparticipants, but information passed by nonparticipants still accounts for roughly one-third of eventual participation. An informed household is not more likely to participate if its informed friends participate. We then propose two new measures of how effective a given household would be as an injection point. We show that the centrality of the injection points according to these measures constitutes a strong and significant predictor of eventual village-level participation.