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12. Microfinance’s Impact on Education, Poverty, and Empowerment: A Case Study from the Bolivian Altiplano
- Author:
- Sarah Gibb
- Publication Date:
- 04-2008
- Content Type:
- Working Paper
- Institution:
- Institute for Advanced Development Studies (INESAD)
- Abstract:
- This study explores the impact of microcredits on the economic, educational, and empowerment levels of women from the Bolivian high plains who had acquired microcredits for over three years. Primary research was carried out with the help of a major NGO dedicated solely to microcredits. One hundred in-depth personal interviews were conducted by the author in La Paz and El Alto from February to May 2007. This region was chosen because of the wide extent to which microcredits have been implemented there since the 1980s. The author also created a control group of women who had never taken out a microcredit loan. The study employs the use of an established poverty scorecard to measure poverty levels over time. Using a comparative approach that allows a comparison between the independent control group and the loan group, the study found that while the ownership of goods increased in the loan group, the benefits of microcredits on family educational attainment levels and empowerment were questionable. It is important to note that the vast majority of microcredit research does not use this type of independent control group.
- Topic:
- Development, Women, Microcredit, Empowerment, and Microfinance
- Political Geography:
- South America and Bolivia
13. Finding the Money: Informal Credit Practices in Rural Afghanistan
- Author:
- Floortje Klijin and Adam Pain
- Publication Date:
- 06-2007
- Content Type:
- Research Paper
- Institution:
- Afghanistan Research and Evaluation Unit (AREU)
- Abstract:
- It is widely believed that there is a strong demand for credit in Afghanistan and that much of this demand is unmet, justifying a major programme in microcredit provision. But there is very little understanding of the extent and the workings of informal credit systems, particularly outside opium poppy growing areas. Is there such an absence of credit available to poor rural households as is assumed? Do microfinance and informal credit respond to the same needs? Is informal credit simply the same thing as formal credit, except that it takes place outside formal institutions? And if there is more informal credit available than is believed, what does this mean for the development and role of formal credit systems? These key questions informed a detailed anthropological study of informal credit practices in three contrasting villages in Herat, Ghor and Kapisa. Drawing from a detailed presentation of eight households case studies, and amplified with addition case material, a number of key conclusions can be drawn from the findings.
- Topic:
- Development, Economics, Monetary Policy, Microcredit, Rural, Money, Demand, and Credit
- Political Geography:
- Afghanistan and South Asia