nep-mfd New Economics Papers
on Microfinance
Issue of 2017‒01‒08
two papers chosen by
Aastha Pudasainee and Olivier Dagnelie

  1. Banking the Unbanked: Evidence from Three Countries - Working Paper 440 By Pascaline Dupas, Dean Karlan, Jonathan Robinson and Diego Ubfal
  2. Two-staged Capital Structure: An Operational Guideline for Islamic Microfinance System By Shahriar Kabir; Ruhul Salim

  1. By: Pascaline Dupas, Dean Karlan, Jonathan Robinson and Diego Ubfal
    Abstract: We experimentally test the impact of expanding access to basic bank accounts in Uganda, Malawi, and Chile. Over two years, 17 percent, 10 percent, and 3 percent of treatment individuals made five or more deposits, respectively. Average monthly deposits for them were at the 79th, 91st, and 96th percentiles of baseline savings. Survey data show no clearly discernible intention-to-treat effects on savings or any downstream outcomes. This suggests that policies merely focused on expanding access to basic accounts are unlikely to improve welfare noticeably since impacts, even if present, are likely small and diverse.
    Keywords: financial access, savings, banking, microfinance, field experiment, multi-country, Uganda, Malawi; Chile
    JEL: C93 D14 G21 O16 O12
    Date: 2016–11
  2. By: Shahriar Kabir; Ruhul Salim
    Abstract: Islamic Microfinance (IMF) is a recently developed area of poverty alleviation practice; however, the system suffers from identifying usable operational structure and building up sustainable capital for the programs. This article proposes for a two-staged capital structure for IMF system, which would simultaneously overcome both limitations.
    Keywords: Islamic Microfinance, Poverty Alleviation, Asset-Backed Lending System, Sustainable Social Capital, Zakah and Tabarru’ Fund
    JEL: G21 P36
    Date: 2016–01

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