The Impacts of Microcredit: Evidence from Bosnia and Herzegovina

被引：150

作者：

Augsburg, Britta ^{[1
]}

De Haas, Ralph ^{[2
,3
]}

Harmgart, Heike ^{[4
,5
]}

Meghir, Costas ^{[6
]}

机构：

[1] Inst Fiscal Studies, London WC1E 7AE, England

[2] European Bank Reconstruct & Dev, London EC2A 2JN, England

[3] Tilburg Univ, NL-5000 LE Tilburg, Netherlands

[4] EBRD, Amman 11185, Jordan

[5] WZB EBRD, Amman 11185, Jordan

[6] Yale Univ, Dept Econ, New Haven, CT 06520 USA

来源：

AMERICAN ECONOMIC JOURNAL-APPLIED ECONOMICS | 2015年 / 7卷 / 01期

基金：

欧洲研究理事会;

关键词：

CREDIT;

D O I：

10.1257/app.20130272

中图分类号：

F [经济];

学科分类号：

02 ;

摘要：

We use an RCT to analyze the impacts of microcredit. The study population consists of loan applicants who were marginally rejected by an MFI in Bosnia. A random subset of these were offered a loan. We provide evidence of higher self-employment, increases in inventory, a reduction in the incidence of wage work and an increase in the labor supply of 16-19-year-olds in the household's business. We also present some evidence of increases in profits and a reduction in consumption and savings. There is no evidence that the program increased overall household income.

引用

页码：183 / 203

页数：21

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