Dynamic Effects of Microcredit in Bangladesh

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dc.creatorKhandker, Shahidur R.
dc.creatorSamad, Hussain A.
dc.date2014-05-01T15:37:09Z
dc.date2014-05-01T15:37:09Z
dc.date2014-03
dc.date.accessioned2026-07-01T00:53:05Z
dc.descriptionThis paper uses long panel survey data spanning over 20 years to examine the dynamics of microcredit programs in Bangladesh. With the phenomenal growth of microfinance institutions representing 30 million members with over $2 billion of annual disbursement over the past two decades, it is important to understand the dynamics of microcredit expansion and its induced impact on household welfare. A dynamic panel model is used to address a number of issues, such as whether credit effects are declining over time, whether market saturation and village diseconomies are taking place, and whether multiple program membership, which is rising as a consequence of microcredit expansion, is harming or benefiting the borrowers. The paper's results confirm that microcredit programs have continued to benefit the poor by raising household welfare. The beneficial effects have also remained higher for female than male borrowers. There are diseconomies of scale caused by higher levels of village-level borrowing, especially for male members. Multiple program membership is also growing with competition from microfinance institutions, but this has rather helped raise assets and net worth more than it has contributed to indebtedness.
dc.formatapplication/pdf
dc.formattext/plain
dc.identifierhttp://documents.worldbank.org/curated/en/2014/03/19304457/dynamic-effects-microcredit-bangladesh
dc.identifierhttps://hdl.handle.net/10986/18126
dc.identifierhttps://doi.org/10.1596/1813-9450-6821
dc.identifier.urihttp://hdl.handle.net/123456789/412439
dc.languageEnglish
dc.languageen_US
dc.publisherWorld Bank, Washington, DC
dc.relationPolicy Research Working Paper;No. 6821
dc.rightsCC BY 3.0 IGO
dc.rightshttp://creativecommons.org/licenses/by/3.0/igo/
dc.subjectADVERSE EFFECTS
dc.subjectAGRICULTURE
dc.subjectAMOUNT OF CREDIT
dc.subjectASSET VALUE
dc.subjectASSETS
dc.subjectATTRITION
dc.subjectBANK POLICY
dc.subjectBENEFICIAL EFFECTS
dc.subjectBIDS
dc.subjectBORROWER
dc.subjectBORROWING
dc.subjectCASH TRANSFER
dc.subjectCOMMERCIAL BANKS
dc.subjectCONSUMER GOODS
dc.subjectCREDIT ACCESS
dc.subjectCREDIT COEFFICIENTS
dc.subjectCREDIT EXPANSION
dc.subjectCREDIT GROUP
dc.subjectCREDIT INCREASES
dc.subjectCREDIT PROGRAMS
dc.subjectCREDIT RISK
dc.subjectCREDIT SCORING
dc.subjectDATA ANALYSIS
dc.subjectDATA COLLECTION
dc.subjectDEBT
dc.subjectDEMAND FOR CREDIT
dc.subjectDEPOSITS
dc.subjectDEVELOPMENT POLICY
dc.subjectDEVELOPMENT RESEARCH
dc.subjectDIMINISHING RETURNS
dc.subjectDISBURSEMENT
dc.subjectDISECONOMIES OF SCALE
dc.subjectDUE DILIGENCE
dc.subjectDUMMY VARIABLE
dc.subjectECONOMIC DEVELOPMENT
dc.subjectECONOMIC GROWTH
dc.subjectELASTICITY
dc.subjectEMPLOYMENT
dc.subjectEXOGENOUS VARIABLES
dc.subjectEXPENDITURE
dc.subjectEXPENDITURES
dc.subjectEXTERNALITIES
dc.subjectEXTERNALITY
dc.subjectEXTREME POVERTY
dc.subjectFEMALE ENTREPRENEURS
dc.subjectFEMALE LABOR
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectFINANCIAL STUDIES
dc.subjectGROUP LENDING
dc.subjectGROWTH RATE
dc.subjectHOUSEHOLD ANALYSIS
dc.subjectHOUSEHOLD INCOME
dc.subjectHUMAN RESOURCES
dc.subjectINCOME
dc.subjectINCREASING RETURNS
dc.subjectINDEBTEDNESS
dc.subjectINFORMAL LENDERS
dc.subjectINSURANCE
dc.subjectINTEREST RATES
dc.subjectINTERNATIONAL BANK
dc.subjectLABOR ECONOMICS
dc.subjectLABOR SUPPLY
dc.subjectLABORERS
dc.subjectLENDER
dc.subjectLOAN
dc.subjectLOAN AMOUNTS
dc.subjectLOAN PORTFOLIO
dc.subjectLOAN RECOVERIES
dc.subjectLOCAL ECONOMIES
dc.subjectLOCAL ECONOMY
dc.subjectLOCAL MARKET
dc.subjectLONG-TERM LOANS
dc.subjectMARKET CONDITIONS
dc.subjectMICRO FINANCE
dc.subjectMICROCREDIT
dc.subjectMICROENTERPRISES
dc.subjectMICROFINANCE
dc.subjectMICROFINANCE INSTITUTIONS
dc.subjectMODELING
dc.subjectNEGATIVE EXTERNALITIES
dc.subjectNEGATIVE EXTERNALITY
dc.subjectPER CAPITA INCOME
dc.subjectPOLITICAL ECONOMY
dc.subjectPOSITIVE EFFECTS
dc.subjectPOSITIVE EXTERNALITIES
dc.subjectPOSITIVE EXTERNALITY
dc.subjectPRODUCTIVITY
dc.subjectREGRESSION ANALYSIS
dc.subjectRENTS
dc.subjectREORGANIZATION
dc.subjectRESEARCH WORKING PAPERS
dc.subjectRESEARCHERS
dc.subjectRETURN
dc.subjectSAVINGS
dc.subjectSAVINGS ACCOUNT
dc.subjectSPECIFICATION ERROR
dc.subjectSURVEY DATA
dc.subjectTECHNIQUES
dc.subjectTEST STATISTICS
dc.subjectTRADE SECTOR
dc.subjectTRADING
dc.subjectWAGES
dc.subjectWEALTH
dc.subjectWEALTH EFFECT
dc.titleDynamic Effects of Microcredit in Bangladesh

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