Can Commercially-oriented Microfinance Help Meet the Millennium Development Goals? Evidence from Pakistan
Can Commercially-oriented Microfinance Help Meet the Millennium Development Goals? Evidence from Pakistan
复制标题
DOI：
10.1016/j.worlddev.2010.09.001
复制
发表时间：
2011
影响因子：
6.9
通讯作者：
Heather Montgomery;J. Weiss
中科院分区：
文献类型：
--
作者：
Heather Montgomery;J. Weiss
小额信贷行业目前的重点是从捐助者资助的业务转向商业上可持续的业务。本文评估了从Khushhali银行获得小额贷款的影响。Khushhali银行是巴基斯坦第一家也是最大的按商业原则运作的小额信贷银行。利用对近3000户借款人和非借款人家庭进行的详细家庭调查的原始数据，采用差异中的差异方法来测试获得贷款的影响。一旦对农村和城市地区的结果进行分类，农村地区的粮食支出以及儿童健康和赋予妇女权力等一些社会指标就会产生积极影响。即使在非常贫困的家庭中也能观察到这些影响。这些发现表明，在有利的环境下，以商业为导向的小额信贷与千年发展目标并非不相容。
The current emphasis in the microfinance industry is a shift from donor-funded to commercially sustainable operations. This article evaluates the impact of access to microloans from the Khushhali Bank—Pakistan’s first and largest microfinance bank which operates on commercial principles. Using primary data from a detailed household survey of nearly 3,000 borrower and non-borrower households, a difference in difference approach is used to test for the impact of access to loans. Once the results are disaggregated between rural and urban areas there is a positive impact in rural areas on food expenditure and on some social indicators such as the health of children and female empowerment. These impacts are observed even in very poor households. These findings suggest that commercially-oriented microfinance and the millennium development goals are not incompatible, given a supportive environment.