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Does Microcredit Reach the Poor and Vulnerable? Evidence from Northern Bangladesh

 
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Author
Amin, Sajeda
Rai, Ashok S.
Topa, Giorgio
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https://www.hks.harvard.edu/centers/cid/publications
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Citation
Amin, Sajeda, Ashok S. Rai, and Giorgio Topa. “Does Microcredit Reach the Poor and Vulnerable? Evidence from Northern Bangladesh.” CID Working Paper Series 1999.28, Harvard University, Cambridge, MA, October 1999.
Abstract
Subsidized loans have a history of being diverted to the rich. Yet recently microcredit programs, such as the Grameen Bank in Bangladesh, have become popular among donors and governments as a way to channel funds to the poor. This paper uses a unique panel dataset from two Bangladeshi villages to test if the modern microcredit movement is different from its predecessors. Poverty is measured by levels of consumption. Vulnerability is measured as fluctuations in consumption associated with inefficient risk sharing. We find that subsidized credit is largely successful at reaching the poor and vulnerable. The probability that a microcredit member is below the poverty line is substantially higher than that of a randomly picked household in both villages. In the village where female headed households were found to be vulnerable, nearly half of the female headed households belonged to microcredit programs yet only a quarter of male headed households were microcredit members. While restricting loans to the landless is not effective in reaching the poor and vulnerable, targeting female headed households is.
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This article is made available under the terms and conditions applicable to Other Posted Material, as set forth at http://nrs.harvard.edu/urn-3:HUL.InstRepos:dash.current.terms-of-use#LAA
Citable link to this page
http://nrs.harvard.edu/urn-3:HUL.InstRepos:39467497

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