| 来源类型 | Discussion paper |
| 规范类型 | 论文 |
| 来源ID | DP17081 |
| DP17081 Microfinance and Diversification | |
| Oriana Bandiera; Erika Deserranno; Ricardo Morel; Imran Rasul; Munshi Sulaiman; Jack Thiemel | |
| 发表日期 | 2022-03-03 |
| 出版年 | 2022 |
| 语种 | 英语 |
| 摘要 | The bulk of the world's extreme poor work in subsistence agriculture. Diversification out of this activity is often seen as the sine qua non of economic development. We evaluate whether the roll-out of a mainstay development intervention - microfinance - into poor, agricultural and largely unbanked populations in rural Uganda helps borrowers diversify into non-agricultural labor activities. The new microfinance product is targeted to women, and differs from existing sources of formal and informal credit in that it allows them to borrow larger amounts but has inflexible repayment dates and the use of funds is monitored. We find that the arrival of microfinance enables women to diversify out of agriculture and into service-based activities such as small-scale trading. This low-level structural change, however, is not transformative in that it does not lead - at least after two years - to significant uplifts in earnings, consumption, savings, investment and overall wealth. |
| 主题 | Development Economics |
| URL | https://cepr.org/publications/dp17081 |
| 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/546046 |
| 推荐引用方式 GB/T 7714 | Oriana Bandiera,Erika Deserranno,Ricardo Morel,et al. DP17081 Microfinance and Diversification. 2022. |
| 条目包含的文件 | 条目无相关文件。 | |||||
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