This paper examines the impact of micro-credit on employment. Household-level data was collected, following a quasi …-borrowers. Pipeline borrowers are included to control for self-selection effects. It is argued that micro-credit causes a substitution of …. For Pakistan, there is no evidence that micro-credit effects employment. However, for Bangladesh, there is robust evidence …

This paper examines the impact of micro-credit on employment. Household-level data was collected, following a quasi …-borrowers. Pipeline borrowers are included to control for self-selection effects. It is argued that micro-credit causes a substitution of …. For Pakistan, there is no evidence that micro-credit effects employment. However, for Bangladesh, there is robust evidence …