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on Microfinance |
| By: | Mukhopadhyay, Jyoti Prasad |
| Abstract: | This paper examines the impact of access to microfinance on consumption inequality using panel data of 6080 households available from a randomized evaluation conducted by Banerjee et al. (2013) in 104 slums in Andhra Pradesh, India. We find that access to microcredit exacerbates consumption inequality both at the slum-level and the household-level. Further decomposition of inequality indices shows that this difference in consumption inequality is predominantly driven by expenditure on non-food items. However, once all households across treatment and control slums have equal access to microcredit in the long-run, the disparity in consumption inequality between treatment and control slums disappears. Our results also suggest that larger loan size and higher number of loan cycles completed by older microcredit borrowers do not cause any significant divergence in consumption inequality across treatment and control households. These results imply need for targeted livelihood support programmes for those who cannot participate in microcredit programmes. |
| Keywords: | microfinance, randomized controlled trial, inequality |
| JEL: | C23 D63 G21 |
| Date: | 2014–07–03 |
| URL: | http://d.repec.org/n?u=RePEc:pra:mprapa:58674&r=mfd |
| By: | Martin Valdivia |
| Abstract: | With millions of women around the developing world thrown into self-employment but with low productivity, the question about how to increase the profitability and growth potential of their businesses is increasingly relevant for poverty reduction and gender equity. This study evaluates the impacts of a business development services program serving female microentrepreneurs in Lima using an experimental design, that included two treatment groups: One received only general training (GT), albeit more time-intense than previous studies, and delivered by experts, while the other received in addition technical assistance (TA). Results show the existence of room for efficiency gains and growth, as all treated showed increased sales revenues and self-reported adoption of recommended business practices, although timing differed. Those that received full treatment (GT+TA) were the only ones reporting increased sales 4-7 months after the end of the treatment, but GTonly treated were able to catch up about a year later. Low take up of the training may suggest some space to improve recruitment and delivery of good general business practices. |
| Keywords: | entrepreneurship, business training, gender equity |
| JEL: | C93 D1 D22 J24 O12 |
| Date: | 2014 |
| URL: | http://d.repec.org/n?u=RePEc:lvl:piercr:2014-04&r=mfd |
| By: | Swamy, Vighneswara; B K, Tulasimala |
| Abstract: | This study has uniquely established that financing women though Self Help Groups has a significant role in empowering women, which is a smart economics indeed in achieving the objective of economic development of the weaker sections. The findings of this study establish using the statistical technique and robust sample size that women financing through groups has significant impacts on the food security as well as non-food expenses of the poor families. The study has evidenced significant outreach of impact of women financing in terms of physical as well as qualitative factors on the socially weaker sections of the society such as Women, Scheduled Castes /Scheduled Tribes and Other Backward Classes category of the poor |
| Keywords: | economic development, institutions and growth, microfinance, banking, poverty, cross-sectional analysis, consumption, saving |
| JEL: | C21 C3 C31 E2 E21 G21 I38 N3 N35 O4 O43 O47 |
| Date: | 2013–09 |
| URL: | http://d.repec.org/n?u=RePEc:pra:mprapa:50351&r=mfd |
| By: | Asian Development Bank (ADB); (East Asia Department, ADB); ; |
| Abstract: | Mongolia experienced a challenging transition from socialist economy to market economy from 1990 onwards. Its commercial insurance market is still at its infancy, with gross written premiums in 2013 amounting to only 0.54% of gross domestic production. ADB undertook this technical assistance study to support microinsurance development in Mongolia. The study provides an overview of the development of Mongolia’s insurance market in general and the microinsurance segment in particular, then identifies gaps in the insurance regulatory framework that need to be bridged to expand microinsurance coverage to more households. |
| Keywords: | adb, asian development bank, asdb, asia, pacific, poverty asia, mongolia, microinsurance, mongolia insurance, mongolia insurance, mongolia finance, mongolia finance, gross written premium, gross written premium, livestock insurance, livestock insurance, savings and credit cooperative, savings and credit cooperative, nonbanking financial institutions, nonbanking financial institutions, microfinance, responsible finance, finance |
| Date: | 2014–05 |
| URL: | http://d.repec.org/n?u=RePEc:asd:wpaper:rpt135950-2&r=mfd |