| 来源类型 | Discussion paper |
| 规范类型 | 论文 |
| 来源ID | DP10146 |
| DP10146 (Measured) Profit is Not Welfare: Evidence from an Experiment on Bundling Microcredit and Insurance | |
| Abhijit Banerjee; Esther Duflo | |
| 发表日期 | 2014-09-21 |
| 出版年 | 2014 |
| 语种 | 英语 |
| 摘要 | We investigate the puzzle of microfinance: that loans generate large measured returns for businesses, yet loan take-up is low and the businesses often close. We analyze a randomized trial that bundled microfinance loans with a cheap health insurance policy. Requiring clients to purchase insurance substantially lowered loan renewal. The insurance was useless, due to administrative failures, but reduced loan renewal negatively impacted clients? businesses. Clients' decision to incur substantial business losses, rather than pay modest insurance premiums, implies the substantial financial gains from microfinance loans are dissipated by unmeasured costs and provide little net value to microfinance clients. |
| 主题 | Development Economics |
| 关键词 | Development Health insurance Microcredit Microenterprises Microfinance Revealed preference Welfare |
| URL | https://cepr.org/publications/dp10146 |
| 来源智库 | Centre for Economic Policy Research (United Kingdom) |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/538979 |
| 推荐引用方式 GB/T 7714 | Abhijit Banerjee,Esther Duflo. DP10146 (Measured) Profit is Not Welfare: Evidence from an Experiment on Bundling Microcredit and Insurance. 2014. |
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