Assessing the impact of microcredit: A Zambian case study
Assessing the impact of microcredit: A Zambian case study
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DOI：
10.1080/00220380412331322051
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发表时间：
2001-04-01
影响因子：
2.9
通讯作者：
Johnson, S
中科院分区：
文献类型：
--
作者：
Copestake, J;Bhalotra, S;Johnson, S
人们的期望值很高，但小额信贷影响的证据仍然短缺。本文估计了赞比亚城市信贷方案对企业业绩和一系列福利指标的影响，获得第二笔贷款的借款人在企业利润和家庭收入方面的平均增长率要高得多。对贷款义务的不灵活的集体强制执行导致一些借款人，特别是那些只借了一笔贷款的借款人的境况变得更糟。我们的方法论调查表明，严格的影响研究的供应可以通过收集数据来增加，这些数据收集的目的更广泛，包括市场研究。
Expectations are high, but evidence of the impact of microcredit remains in short supply. This article estimates the impact of an urban credit programme in Zambia on business performance and on a range of indicators of wellbeing, Borrowers who obtained a second loan experienced significantly higher average growth in business profits and household income. Inflexible group enforcement of loan obligations resulted in some borrowers, especially amongst those who had taken only one loan, being made worse off. Our methodological investigations suggest that the supply of rigorous impact studies can be increased by basing them on data collection that sen,es a wider range of purposes, including market research.