| By: |
Sarah Gibb (University of Aalborg, Denmark) |
| Abstract: |
This study explores the impact of microcredit on economic, educational, and
empowerment levels of women from the Bolivian high plains who had acquired
microcredit for over three years. Primary research was carried out with the
help of a major NGO dedicated solely to microcredit. 100 in-depth personal
interviews were conducted by the author in La Paz and El Alto from February to
May 2007. This region was chosen because of the wide extent to which
microcredit have been implemented here since the 1980s. The author created a
control group from women who had never taken out a microcredit. The study
employs the use of an established poverty scorecard to measure poverty levels
over time. Using a comparative approach that allows a comparison between the
independent control group and the loan group, the study finds that while the
ownership of goods increased in the loan group, the benefits of microcredit on
family educational attainment levels and empowerment are questionable. It is
important to note that the vast majority of microcredit research does not use
this type of independent control group. |
| Keywords: |
Microcredit, microfinance, empowerment, development, women, Bolivia. |
| JEL: |
Z13 |
| Date: |
2008–04 |
| URL: |
http://d.repec.org/n?u=RePEc:adv:wpaper:200804&r=mfd |