期刊文献+

Is Microcredit Targeted to Poor People? Evidences From a Cambodian Microfinance Institution

Is Microcredit Targeted to Poor People? Evidences From a Cambodian Microfinance Institution
下载PDF
导出
摘要 This study extends research on the social performance of microfinance institutions. The research methodology is based on Grameen Progress out of Poverty IndexTM (PPITM) for Cambodia applied to a sample of borrowers randomly extracted from a Cambodian microfinance institution's loan portfolio. Dataset has been directly collected through in-house interviews. Main questions discussed here are: (1) Is microcredit targeted to poor people? (2) Has the poverty rate of the sample changed in last six months? and (3) What percentage of male vs. female clients is poor? We found an average poverty likelihood of about 8.1%, estimated at the day of the interview, steady over a period of six months and not statistically different between male and female borrowers. This evidence might be related to business geographical location or targeting. Actually, PPI too much relies on asset ownership rather than on cash flows and saving capacity. Despite the general wisdom microcredit is targeted to the "poorest among the poor people", this is utterly consistent with a sound and safe (micro)banking activity, aimed at sustainable results. Here comes a call for a triple bottom line performance evaluation on microflnance institutions: economic, social and environmental effects of their activities
机构地区 University of Padova
出处 《Chinese Business Review》 2012年第2期153-166,共14页 中国经济评论(英文版)
关键词 MICROCREDIT social performance poverty index case study Cambodia 小额信贷 柬埔寨 机构 贷款 证据 贫困人口 社会责任 随机抽取
  • 相关文献

参考文献28

  • 1Berhane, G., & Gardebroek, C. (2011). Does microfinance reduce rural poverty? Evidence based on household panel data from northern Ethiopia. American Journal of Agricultural Economics, 93(1), 43-55.
  • 2Deutsche Bank Research. (2007). Microfinance: An emerging investment opportunity. Uniting social investment and financial returns. Frankfurt am Main, DE: Dieckmann, R.
  • 3Duvendack, M., Palmer-Jones, R., Copestake, J. G., Hooper, L., Loke, Y., & Rao, N. (2011). What is the evidence of the impact of microfinance on the well-being of poor people? London, UK: EPPI-Centre, Social Science Research Unit, Institute of Education, University of London.
  • 4Ford Foundation, CGAP, & Social Performance Taskforce. (2010). Poverty targeting and measurement tools in microfinance: Progress out of poverty index and the poverty assessment tool. Retrieved from http://www.microfinancegateway.org.
  • 5Goldberg, N. (2005). Measuring the impact ofmicrofinance: Taking stock of what we know. Grameen Foundation USA PublicationSeries. Washington, D.C.: Grameen Foundation.
  • 6Grameen Foundation. (2008). Progress out of poverty indexTM. PPI Pilot Training. PPI Participant Guide. Retrieved from http ://www.progressoutofpoverty.org.
  • 7Grameen Foundation. (2011). PPI Certified MFIs. Retrieved from http://progressoutofpoverty.org/certification.
  • 8Hardy, D. C., Holden, P., & Prokopenko, V. (2002). Microfinance Institutions and Public Policy. IMF working paper, No. 159. Washington, D.C.: International Monetary Fund.
  • 9Holden, P., & Prokopenko, V. (2001). Financial development and poverty alleviation: Issues and policy implications for developing and transition countries. IMF working paper, No. 160. Washington, D.C.: International Monetary Fund.
  • 10Hossain, M. (1988). Credit for alleviation of rural poverty: The Grameen Bank in Bangladesh. Research reports from International Food Policy Research Institute, No. 65. Washington, D.C.: International Food Policy Research Institute.

相关作者

内容加载中请稍等...

相关机构

内容加载中请稍等...

相关主题

内容加载中请稍等...

浏览历史

内容加载中请稍等...
;
使用帮助 返回顶部