nep-mfd New Economics Papers
on Microfinance
Issue of 2014‒01‒24
three papers chosen by
Olivier Dagnelie
University of Namur

  1. On the impact of microcredit: Evidence from a randomized intervention in rural Ethiopia By Alessandro Tarozzi; Jaikishan Desai; Kristin Johnson
  2. Financial Inclusion: Household Access to Credit in Indonesia By Beta Y. Gitaharie; Lana Soelistianingsih; Triasih Djutaharta
  3. Inclusion financiera y el papel de la banca movil en Colombia. Desarrollos y potencialidades By Santiago Fernandez de Lis; Maria Claudia Llanes; Carlos Lopez-Moctezuma; Juan Carlos Rojas; David Tuesta

  1. By: Alessandro Tarozzi; Jaikishan Desai; Kristin Johnson
    Abstract: We use data from a randomized controlled trial conducted in 2003-2006 in rural Amhara and Oromiya (Ethiopia) to study the impacts of the introduction of microfinance in treated communities. We document that borrowing increased substantially in locations where the programs started their operations, but we find mixed evidence of improvements in a number of socio-economic outcomes, including income from agriculture, animal husbandry, non-farm self-employment, schooling and indicators of women's empowerment.
    Keywords: Microcredit; Cluster Randomized Controlled Trial; Ethiopia
    JEL: O12 O16
    Date: 2013–10
    URL: http://d.repec.org/n?u=RePEc:upf:upfgen:1407&r=mfd
  2. By: Beta Y. Gitaharie (Department of Economics, Faculty of Economics, University of Indonesia); Lana Soelistianingsih (Department of Economics, Faculty of Economics, University of Indonesia); Triasih Djutaharta (The Demographic Institute, Faculty of Economics, University of Indonesia)
    Abstract: Literatures on financial development and economic growth nexus have rapidly grown. Over more than a decade, research topics have been extended to a wider nexus of financial sector development-economic growth-and poverty alleviation. Regarding to the topic, access to finance becomes an important one. The World Bank (2010) reports only 21% of Indonesia's population has access to banks and another 2% engages in other formal financial services. The figure shows that access to financial services in Indonesia is still very low. This study is to examine determinant factors that deter households from access to financial services, particularly business credits. The study employs desciptive analysis and performs microeconometric exercise utilizing the 2008 and 2012 Susenas data. The results of the study provide the household profile and identify determinant factors for households to access business credit from several sources, namely bank, non-bank, and individual. The probabilities for household to obtain business credit is affected by the demographic characteristics (age, sex, marrital status, location, education) and social-economic factors (employment sector, employment status, status of poverty) and the effectiveness of the implementation of banking public education program. The study employs multinomial logit method. The findings of this study is vital in providing policy recommendation to alleviate poverty in Indonesia.
    Keywords: financial sector, access, business credit, households, poor, poverty
    JEL: I38 O16 O17
    Date: 2014–01
    URL: http://d.repec.org/n?u=RePEc:lpe:wpecbs:201401&r=mfd
  3. By: Santiago Fernandez de Lis; Maria Claudia Llanes; Carlos Lopez-Moctezuma; Juan Carlos Rojas; David Tuesta
    Abstract: En Colombia la profundizacion financiera es baja. En este contexto, en los ultimos anos se han desarrollado diferentes esfuerzos tanto por parte de los gobiernos y el sector privado para fomentar el despegue de modelos que permitan un mayor acceso a los servicios financieros. Estos esquemas de inclusion financiera, basados en la generacion de canales de acceso que reduzcan los altos costos de transaccion para los agentes, han venido construyendose tomando como base la alta cobertura alcanzada por la telefonia celular, el desarrollo gradual de los CB y modificaciones regulatorias, lo que ha permitido un acceso mas facil a los servicios financieros. Teniendo ello en cuenta, el presente trabajo persigue dos objetivos: por un lado, recoger el analisis de las recientes experiencias en el campo regulatorio de la banca movil para Colombia y por el otro, explorar las potencialidades de un mayor desarrollo de estos esquemas. A partir del analisis de microdatos para Colombia, el trabajo confirma el avance paulatino que se viene dando en el pais y se identifica las enormes posibilidades para potenciar una mayor inclusion financiera.
    Keywords: Banca Movil, Inclusion Financiera, Colombia
    JEL: G21 O16
    Date: 2014–01
    URL: http://d.repec.org/n?u=RePEc:bbv:wpaper:1401&r=mfd

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