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Microfinance at the margin: experimental evidence from Bosnia and Herzegovina

[Arbeitspapier]

Augsburg, Britta; De Haas, Ralph; Harmgart, Heike; Meghir, Costas

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Bitte beziehen Sie sich beim Zitieren dieses Dokumentes immer auf folgenden Persistent Identifier (PID):http://hdl.handle.net/10419/93061

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Körperschaftlicher Herausgeber Wissenschaftszentrum Berlin für Sozialforschung gGmbH
Abstract We use a randomised controlled trial (RCT) to analyse the impact of microcredit on poverty reduction in Bosnia and Herzegovina. The study population are loan applicants that would normally have just been rejected based on regular screening. We find that access to credit allowed borrowers to start and expand small-scale businesses. Households that already had a business and where the borrower had more education, ran down their savings, presumably to complement the loan and to achieve the minimum amount necessary to expand their business. In less-educated households, however, consumption went down. A key new result is that there was a substantial increase in the labour supply of young adults (16-19 year olds). This was accompanied by a reduction in school attendance. (author's abstract)
Thesaurusschlagwörter microfinance; human capital; liquidity; credit; combating poverty; level of education; school attendance; available workers; setting up a business; Bosnia and Herzegovina
Klassifikation Wirtschaftspolitik; soziale Probleme
Sprache Dokument Englisch
Publikationsjahr 2014
Erscheinungsort Berlin
Seitenangabe 40 S.
Schriftenreihe Discussion Papers / Wissenschaftszentrum Berlin für Sozialforschung, Forschungsschwerpunkt Markt und Entscheidung, Abteilung Ökonomik des Wandels, SP II 2014-304
Status Veröffentlichungsversion; begutachtet
Lizenz Deposit Licence - Keine Weiterverbreitung, keine Bearbeitung
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