Six Randomized Evaluations of Microcredit: Introduction and Further Steps
Six Randomized Evaluations of Microcredit: Introduction and Further Steps
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DOI：
10.1257/app.20140287
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发表时间：
2015-01-01
影响因子：
6.2
通讯作者：
Zinman, Jonathan
中科院分区：
文献类型：
--
作者：
Banerjee, Abhijit;Karlan, Dean;Zinman, Jonathan
关于小额信贷影响的因果证据为理论、实践和关于其作为发展工具的有效性的辩论提供了信息。本卷中的六项随机评价使用了各种抽样、数据收集、实验设计和计量经济学战略，以确定扩大获得小额信贷对借款人和/或社区的因果影响。这些方法被部署在令人印象深刻的一系列地点--四大洲的六个国家、城市和农村地区--借款人特征、贷款特征和贷款人特征。总结和解释所有研究的结果，我们注意到一个一致的模式，即适度积极的影响，但不是变革性的影响。我们还讨论了未来研究的方向。
Causal evidence on microcredit impacts informs theory, practice, and debates about its effectiveness as a development tool. The six randomized evaluations in this volume use a variety of sampling, data collection, experimental design, and econometric strategies to identify causal effects of expanded access to microcredit on borrowers and/or communities. These methods are deployed across an impressive range of locations-six countries on four continents, urban and rural areas-borrower characteristics, loan characteristics, and lender characteristics. Summarizing and interpreting results across studies, we note a consistent pattern of modestly positive, but not transformative, effects. We also discuss directions for future research.