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https://hdl.handle.net/10419/93061

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Microfinance at the margin: experimental evidence from Bosnia and Herzegovina

[working paper]

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

Corporate Editor
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 an... view more

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)... view less

Keywords
microfinance; human capital; liquidity; credit; combating poverty; level of education; school attendance; available workers; setting up a business; Bosnia and Herzegovina

Classification
Economic Policy
Social Problems

Document language
English

Publication Year
2014

City
Berlin

Page/Pages
40 p.

Series
Discussion Papers / Wissenschaftszentrum Berlin für Sozialforschung, Forschungsschwerpunkt Markt und Entscheidung, Abteilung Ökonomik des Wandels, SP II 2014-304

Handle
https://hdl.handle.net/10419/93061

Status
Published Version; reviewed

Licence
Deposit Licence - No Redistribution, No Modifications


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© 2007 - 2025 Social Science Open Access Repository (SSOAR).
Based on DSpace, Copyright (c) 2002-2022, DuraSpace. All rights reserved.