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Assessing the Impact of Microcredit: A Zambian Case Study

Copestake, J and Bhalotra, S and Johnson, S (2001) 'Assessing the Impact of Microcredit: A Zambian Case Study.' The Journal of Development Studies, 37 (4). pp. 81-100. ISSN 0022-0388

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Abstract

Expectations are high, but evidence of the impact of microcredit remains in short supply. This article estimates the impact of an urban credit programme in Zambia on business performance and on a range of indicators of wellbeing. Borrowers who obtained a second loan experienced significantly higher average growth in business profits and household income. Inflexible group enforcement of loan obligations resulted in some borrowers, especially amongst those who had taken only one loan, being made worse off. Our methodological investigations suggest that the supply of rigorous impact studies can be increased by basing them on data collection that serves a wider range of purposes, including market research.

Item Type: Article
Uncontrolled Keywords: Microcredit; Urban Credit Programme; Household Incomes; Business Profits; Zambia
Subjects: H Social Sciences > H Social Sciences (General)
H Social Sciences > HN Social history and conditions. Social problems. Social reform
H Social Sciences > HQ The family. Marriage. Women
H Social Sciences > HS Societies secret benevolent etc
H Social Sciences > HT Communities. Classes. Races
H Social Sciences > HV Social pathology. Social and public welfare
Divisions: Faculty of Social Sciences
Faculty of Social Sciences > Institute for Social and Economic Research
SWORD Depositor: Elements
Depositing User: Elements
Date Deposited: 30 Sep 2016 15:11
Last Modified: 23 Sep 2022 19:07
URI: http://repository.essex.ac.uk/id/eprint/17558

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