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Estimating the Impact of Microcredit on Those Who Take it Up : Evidence from a Randomized Experiment in Morocco
Crepon, Bruno - 2014
Morocco starting in 2006 by Al Amana, the country's largest microfinance institution. Al Amana was the only MFI operating in … and agriculture), and an increase in profit. But this increase in profit was offset by a reduction in income from casual …
Persistent link: https://www.econbiz.de/10013052669
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Self-Selection into Credit Markets : Evidence from Agriculture in Mali
Beaman, Lori A. - 2014
We examine whether returns to capital are higher for farmers who borrow than for those who do not, a direct implication of many credit market models. We measure the difference in returns through a two-stage loan and grant experiment. We find large positive investment responses and returns to...
Persistent link: https://www.econbiz.de/10013048579
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The Right Stuff? Personality and Entrepreneurship
Hamilton, Barton H. - 2018
We construct a structural model of entry into self-employment to evaluate the impact of policies supporting entrepreneurship. Previous work has recognized that workers may opt for self-employment due to the non-pecuniary benefits of running a business and not necessarily because they are good at...
Persistent link: https://www.econbiz.de/10012911470
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The Impact of Consumer Credit Access on Employment, Earnings and Entrepreneurship
Herkenhoff, Kyle; Phillips, Gordon M.; Cohen-Cole, Ethan - 2021
How does consumer credit access impact job flows, earnings, and entrepreneurship? To answer this question, we build a new administrative dataset which links individual employment and entrepreneur tax records to TransUnion credit reports, and we exploit the discrete increase in consumer credit...
Persistent link: https://www.econbiz.de/10013224975
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The Impacts of Microcredit : Evidence from Bosnia and Herzegovina
Augsburg, Britta - 2012
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...
Persistent link: https://www.econbiz.de/10013097783
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The Miracle of Microfinance? Evidence from a Randomized Evaluation
Duflo, Esther - 2013
of a particular microfinance institution (Spandana) while the remainder were not, although other MFIs were free to enter …. We found no changes in any of the development outcomes that are often believed to be affected by microfinance, including …
Persistent link: https://www.econbiz.de/10013082170
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Hoping to Win, Expected to Lose : Theory and Lessons on Micro Enterprise Development
Karlan, Dean S. - 2014
Many basic economic theories with perfectly functioning markets do not predict the existence of the vast number of microenterprises readily observed across the world. We put forward a model that illuminates why financial and managerial capital constraints may impede experimentation, and thus...
Persistent link: https://www.econbiz.de/10013065641
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Measuring the Equilibrium Impacts of Credit : Evidence from the Indian Microfinance Crisis
Breza, Emily - 2018
In October 2010, the state government of Andhra Pradesh, India issued an emergency ordinance, bringing microfinance … loans in the affected state. We use this massive dislocation in the microfinance market to identify the causal impacts of a …-collected district-level data set from 25 separate, for-profit microlenders matched with household data from the National Sample Survey …
Persistent link: https://www.econbiz.de/10012927025
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The Persistent Power of Behavioral Change : Long-Run Impacts of Temporary Savings Subsidies for the Poor
Schaner, Simone - 2016
I use a field experiment in rural Kenya to study how temporary incentives to save impact long-run economic outcomes. Study participants randomly selected to receive large temporary interest rates on an individual bank account had significantly more income and assets 2.5 years after the interest...
Persistent link: https://www.econbiz.de/10012984758
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Financing Smallholder Agriculture : An Experiment with Agent-Intermediated Microloans in India
Maitra, Pushkar - 2014
Recent evaluations of traditional microfinance loans have found no significant impacts on borrower incomes or …
Persistent link: https://www.econbiz.de/10013043280