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  1. Are Microcredit Participants in Bangladesh Trapped in Poverty and Debt?
    Autor*in: Khandker, Shahidur R.; Samad, Hussain A.
    Erschienen: 2013
    Verlag:  World Bank, Washington, DC

    This paper addresses whether microcredit participants in Bangladesh are trapped in poverty and debt, as many critics have argued in recent years. Analysis of data from a long panel survey over a 20-year period confirms this is not the case, although... mehr

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    Verlag (Deutschlandweit zugänglich)

    Standort:
    Max-Planck-Institut für Bildungsforschung, Bibliothek und wissenschaftliche Information
    Fernleihe:
    uneingeschränkte Fernleihe, Kopie und Ausleihe

    Standort:
    Staatsbibliothek zu Berlin - Preußischer Kulturbesitz, Haus Unter den Linden
    Fernleihe:
    uneingeschränkte Fernleihe, Kopie und Ausleihe

    Standort:
    Universität Potsdam, Universitätsbibliothek
    Fernleihe:
    uneingeschränkte Fernleihe, Kopie und Ausleihe

     

    This paper addresses whether microcredit participants in Bangladesh are trapped in poverty and debt, as many critics have argued in recent years. Analysis of data from a long panel survey over a 20-year period confirms this is not the case, although numerous participants have been with microcredit programs for many years. The results of the analysis suggest that participants derive a variety of benefits from microcredit: It helps them to earn income and consume more, accumulate assets, invest in children's schooling, and be lifted out of poverty. This is not to say that non-participants have failed to progress over the same period. Both participants and non-participants have gained as the economy has grown; however, the rates of poverty reduction have been higher for participants. Testing the net effect of microcredit programs requires applying an econometric method that controls for why some households participated and others did not, conditional on their initial characteristics. In addition, the method must control for time-varying, unobserved heterogeneity that affects everyone over time, albeit in possibly different ways. The paper's econometric estimates show significant welfare gains resulting from microcredit participation, especially for women. They also show that the accrued benefits of borrowing outweigh accumulated debt. As a result, households' net worth has increased, and both poverty and the debt-asset ratio have declined.

     
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    Quelle: Staatsbibliothek zu Berlin
    Sprache: Englisch
    Medientyp: Buch (Monographie)
    Format: Online
    Weitere Identifier:
    hdl: 10986/13125
    Schriftenreihe: Policy Research working paper ; WPS 6404
    Schlagworte: AMOUNT OF LOAN; ASSET HOLDINGS; ASSET RATIO; ASSET RATIOS; ASSET VALUE; AVERAGE DEBT; BANK LOANS; BANK POLICY; BANK RATE; BENEFICIARIES; BIDS; BORROWER; BORROWING; COMMERCIAL BANK; COMMERCIAL BANKS; CONSUMER GOODS; CONSUMPTION EXPENDITURE; CREDIT ACCESS; CREDIT SCORING; CROP PRODUCTION; DEBT; DEBT SERVICING; DEMAND FOR CREDIT; DEPOSITS; DUE DILIGENCE; ECONOMETRIC ANALYSIS; ECONOMIC DEVELOPMENT; ECONOMIC GROWTH; ECONOMIC POLICIES; EMPLOYMENT; EXPERIMENTAL DESIGN; EXTREME POVERTY; FARM ACTIVITIES; FARM SECTOR; FEMALE PARTICIPATION; FINANCIAL ASSETS; FINANCIAL INSTITUTIONS; FOOD BASKET; FOOD CONSUMPTION; FOOD EXPENDITURE; FOOD EXPENDITURES; FOOD ITEMS; FOOD POLICY; FOOD POVERTY; FOOD POVERTY LINE; GENDER DISPARITY; GLOBAL POVERTY; GROUP LENDING; HOUSEHOLD HEAD; HOUSEHOLD INCOME; HOUSEHOLD PARTICIPATION; HUMAN CAPITAL; HUMAN CAPITAL INVESTMENT; HUMAN DEVELOPMENT; IMPACT EVALUATION; INCOME; INCOME GENERATION; INDEBTED HOUSEHOLDS; INDEBTEDNESS; INEQUALITY; INFORMAL LENDERS; INTEREST RATES; INTERNATIONAL BANK; INTERVENTION; LAND ASSET; LAND ASSETS; LAND VALUE; LANDHOLDINGS; LEARNING; LENDERS; LIABILITY; LIVING STANDARDS; LOAN; LOAN AMOUNTS; LOAN PORTFOLIO; LONGITUDINAL DATA; MEAT; MICROCREDIT; MICROCREDIT PROGRAMS; MICROENTERPRISE CREDIT; MICROFINANCE; MICROFINANCE INSTITUTIONS; MILK; NONFARM INCOME; NUTRITION; PENSIONS; PER CAPITA INCOME; PERFORMANCE INDICATORS; POLITICAL ECONOMY; POOR; POOR HOUSEHOLDS; POVERTY ALLEVIATION; POVERTY DYNAMICS; POVERTY LINE; POVERTY RATES; POVERTY REDUCTION; POVERTY STATUS; PROGRAM EFFECTS; RATES OF RETURN; REDUCTION IN POVERTY; REMITTANCES; REORGANIZATION; RETURNS; RURAL; RURAL AREAS; RURAL COMMUNITIES; RURAL CREDIT; RURAL DEVELOPMENT; RURAL HOUSEHOLDS; RURAL POVERTY; SAMPLE SIZE; SAVINGS; SAVINGS ACCOUNT; SCHOOL ATTENDANCE; SCHOOLING; SELECTION BIAS; SELF-EMPLOYMENT; SOLVENCY; STOCKS; TOTAL DEBT; TRANSACTION; TRANSPORT; TREATMENT EFFECTS; VEGETABLES; VILLAGE FUND; VILLAGE LEVEL; VULNERABLE GROUPS; WAGE EMPLOYMENT; WAGES; WELFARE INDICATOR; WELFARE MEASURES
    Umfang: Online-Ressource