Does Access to Finance Matter in Microenterprise Growth? Evidence from Bangladesh

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dc.creatorAli, Rubaba
dc.creatorKhandker, Shahidur R.
dc.creatorSamad, Hussain A.
dc.date2013-01-25T21:50:24Z
dc.date2013-01-25T21:50:24Z
dc.date2013-01
dc.date.accessioned2026-07-01T01:00:53Z
dc.descriptionIn less-developed economies such as Bangladesh, the farm sector is the major source of employment and income, while the rural nonfarm sector provides as an additional source of income. But the rural nonfarm sector increasingly plays an important role in fostering the development of the rural economy. A significant share of this sector is made up of microenterprise activities, which requires investment and access to adequate funds. This paper investigates the role access to finance plays in promoting the efficiency and growth of microenterprise activities. The findings suggest that households engaged in microenterprise activities, in addition to farm and other nonfarm activities, are much better off (in terms of income, expenditure and poverty) than those not engaged in such activities. Fewer than 10 percent of the enterprises have access to institutional finance (formal banks or microcredit), although the rate of return on microenterprise investments is more than sufficient (36 percent per year) to repay institutional loans. The research suggests that credit constraints may reduce the enterprises' profit margin by as much as 13.6 percent per year. As the returns to microenterprise investment are found to be high, microfinance institutions can play a larger role in supporting microenterprise growth in Bangladesh.
dc.formatapplication/pdf
dc.formattext/plain
dc.identifierhttp://documents.worldbank.org/curated/en/2013/01/17196485/access-finance-matter-microenterprise-growth-evidence-bangladesh
dc.identifierhttps://hdl.handle.net/10986/12156
dc.identifierhttps://doi.org/10.1596/1813-9450-6333
dc.identifier.urihttp://hdl.handle.net/123456789/414228
dc.languageEnglish
dc.languageen_US
dc.publisherWorld Bank, Washington, DC
dc.relationPolicy Research Working Paper; No. 6333
dc.rightsCC BY 3.0 IGO
dc.rightshttp://creativecommons.org/licenses/by/3.0/igo/
dc.rightsWorld Bank
dc.subjectACCESS TO CAPITAL
dc.subjectACCESS TO FINANCE
dc.subjectACCESS TO FINANCIAL SERVICES
dc.subjectACCESS TO LOANS
dc.subjectACCOUNTING
dc.subjectACTUAL COST
dc.subjectAFFILIATED ORGANIZATIONS
dc.subjectAGRICULTURAL ACTIVITIES
dc.subjectAGRICULTURAL ACTIVITY
dc.subjectAGRICULTURAL BANKS
dc.subjectAGRICULTURAL ECONOMICS
dc.subjectAGRICULTURE
dc.subjectBANK LOAN
dc.subjectBANK LOAN GUARANTEES
dc.subjectBANK LOANS
dc.subjectBIDS
dc.subjectBORROWER
dc.subjectBORROWING
dc.subjectCAPITAL ASSETS
dc.subjectCAPITAL GRANTS
dc.subjectCAPITAL STOCKS
dc.subjectCAPITALS
dc.subjectCOLLATERAL FOR BANK LOAN
dc.subjectCOMMERCIAL BANK
dc.subjectCOMMERCIAL BANK LOANS
dc.subjectCOMMERCIAL BANKS
dc.subjectCOMMUNITY REINVESTMENT
dc.subjectCONSUMER GOODS
dc.subjectCONSUMPTION EXPENDITURE
dc.subjectCORPORATE FINANCE
dc.subjectCOST OF CAPITAL
dc.subjectCOST OF RENT
dc.subjectCREDIT ACCESS
dc.subjectCREDIT CONSTRAINT
dc.subjectCREDIT CONSTRAINTS
dc.subjectCREDIT MARKET
dc.subjectCREDIT PROGRAM
dc.subjectCREDIT PROGRAMS
dc.subjectCREDITORS
dc.subjectDEPOSITORS
dc.subjectDEVELOPING COUNTRIES
dc.subjectDEVELOPMENT BANKS
dc.subjectDEVELOPMENT ECONOMICS
dc.subjectDEVELOPMENT POLICY
dc.subjectDIMINISHING RETURNS
dc.subjectDUMMY VARIABLES
dc.subjectDURABLE
dc.subjectDURABLE GOODS
dc.subjectEARNINGS
dc.subjectECONOMETRIC ANALYSIS
dc.subjectECONOMIC CRISIS
dc.subjectECONOMIC DEVELOPMENT
dc.subjectECONOMIC GROWTH
dc.subjectECONOMIC RESEARCH
dc.subjectELASTICITY
dc.subjectEMPLOYMENT OPPORTUNITIES
dc.subjectENTERPRISE GROWTH
dc.subjectENTERPRISE OPERATIONS
dc.subjectENTREPRENEURS
dc.subjectENTREPRENEURSHIP
dc.subjectEXOGENOUS VARIABLES
dc.subjectEXPECTED RETURN
dc.subjectEXPECTED RETURNS
dc.subjectEXPENDITURE
dc.subjectEXPENDITURES
dc.subjectEXTREME POVERTY
dc.subjectFARM MACHINERY
dc.subjectFEDERAL RESERVE
dc.subjectFEDERAL RESERVE BANK
dc.subjectFEDERAL RESERVE BANK OF NEW YORK
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectFINANCIAL INTERMEDIATION
dc.subjectFINANCIAL LITERACY
dc.subjectFINANCIAL SECTOR
dc.subjectFINANCIAL SECTOR DEVELOPMENT
dc.subjectFIXED ASSETS
dc.subjectFORMAL BANKS
dc.subjectFORMAL FINANCIAL INSTITUTIONS
dc.subjectGOVERNMENT REGULATIONS
dc.subjectGROWTH OPPORTUNITIES
dc.subjectGROWTH RATE
dc.subjectGROWTH THEORY
dc.subjectHOUSEHOLD BUSINESSES
dc.subjectHOUSEHOLD INCOME
dc.subjectHOUSEHOLD WEALTH
dc.subjectHOUSEHOLD WELFARE
dc.subjectHOUSEHOLDS
dc.subjectHUMAN CAPITAL
dc.subjectINCOME GROWTH
dc.subjectINDUSTRIALIZATION
dc.subjectINFORMAL LENDERS
dc.subjectINFORMAL LOANS
dc.subjectINHERITANCE
dc.subjectINITIAL INVESTMENT
dc.subjectINSTALLMENTS
dc.subjectINSTITUTIONAL CREDIT
dc.subjectINSTITUTIONAL LOANS
dc.subjectINTEREST INCOME
dc.subjectINTEREST PAYMENT
dc.subjectINTEREST RATE
dc.subjectINTEREST RATES
dc.subjectINTERNATIONAL BANK
dc.subjectINVENTORIES
dc.subjectINVENTORY
dc.subjectINVESTMENT CLIMATE
dc.subjectINVESTMENT DECISIONS
dc.subjectLABOR MARKETS
dc.subjectLACK OF ACCESS
dc.subjectLACK OF COLLATERAL
dc.subjectLEGAL CONSTRAINTS
dc.subjectLENDER
dc.subjectLIVING STANDARD
dc.subjectLOAN
dc.subjectLOAN GUARANTEES
dc.subjectLOANS FROM FAMILY
dc.subjectLOANS FROM FRIENDS
dc.subjectLOCAL GOVERNMENT
dc.subjectMARGINAL PRODUCT
dc.subjectMARGINAL RATE OF RETURN
dc.subjectMFI
dc.subjectMFIS
dc.subjectMICRO ENTERPRISE
dc.subjectMICRO-ENTERPRISE
dc.subjectMICRO-ENTERPRISES
dc.subjectMICRO-ENTREPRENEUR
dc.subjectMICRO-ENTREPRENEURS
dc.subjectMICROCREDIT
dc.subjectMICROENTERPRISES
dc.subjectMICROFINANCE
dc.subjectMICROFINANCE INSTITUTIONS
dc.subjectMICROFINANCE SECTOR
dc.subjectMONEY LENDERS
dc.subjectMONEYLENDERS
dc.subjectOPERATING COST
dc.subjectOPPORTUNITY COST
dc.subjectOUTREACH
dc.subjectPAWN
dc.subjectPAWN SHOPS
dc.subjectPENSION
dc.subjectPER CAPITA INCOME
dc.subjectPERSONAL SAVINGS
dc.subjectPRODUCTION FUNCTION
dc.subjectPRODUCTIVITY
dc.subjectPRODUCTIVITY GROWTH
dc.subjectPROFIT MARGIN
dc.subjectPROFITABILITY
dc.subjectPROPERTY RIGHTS
dc.subjectRATE OF RETURN
dc.subjectRATES OF INTEREST
dc.subjectRATES OF RETURN
dc.subjectRATES OF RETURNS
dc.subjectREAL ESTATE
dc.subjectRECEIPT
dc.subjectREGULATORY AUTHORITY
dc.subjectREGULATORY BARRIERS
dc.subjectREMITTANCE
dc.subjectREPAYMENT
dc.subjectREPAYMENT SCHEDULE
dc.subjectREPAYMENTS
dc.subjectRESOURCE ALLOCATION
dc.subjectRETAIL TRADING
dc.subjectRETURN ON ASSETS
dc.subjectROA
dc.subjectSAFETY NET
dc.subjectSAVINGS
dc.subjectSELF-EMPLOYMENT
dc.subjectSMALL LOANS
dc.subjectSOURCE OF INCOME
dc.subjectSOURCES OF INCOME
dc.subjectSTART-UP
dc.subjectSTART-UP CAPITAL
dc.subjectSTARTUP CAPITAL
dc.subjectSURPLUS LABOR
dc.subjectTELECOMMUNICATIONS
dc.subjectTELECOMMUNICATIONS EQUIPMENT
dc.subjectTRADE SECTOR
dc.subjectTRADE SECTORS
dc.subjectTRADING
dc.subjectTRANSACTION
dc.subjectTRANSACTION COSTS
dc.subjectTRANSPORT
dc.subjectURBAN AREAS
dc.subjectVALUE OF ASSETS
dc.subjectVARIABLE COSTS
dc.subjectVILLAGE
dc.subjectVILLAGES
dc.subjectVULNERABLE GROUP
dc.subjectWORKING CAPITAL
dc.titleDoes Access to Finance Matter in Microenterprise Growth? Evidence from Bangladesh

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