Does microcredit affect poverty reduction in Macedonia?

Limani, Vjolca Hasani; Xhaferia, Seadin

doi:10.29322/ijsrp.8.9.2018.p8179

Cited by 3 publications

(4 citation statements)

References 14 publications

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“…The results corroborate the studies of Mahjabeen (2008), Kai and Hamori (2009), Tchouassi (2011), Bangoura et al (2016, and Lacalle-Calderon et al ( 2019). Yet, our empirical results are inconsistent with the findings of Hermes (2014), Arif et al (2019), Ali andGhoneim (2019), andCastells-Quintana et al (2019), suggesting providing financial access to the poor cannot reduce the level of income inequality.…”

Section: Empirical Results and Discussioncontrasting

confidence: 99%

“…The study further indicated that an increased in the macro-scale of microfinance activities in a country could be one effective tool for reducing country's inequality, among others. Arif et al (2019) examined the effect of microfinance on poverty reduction and inequality for 33 provinces in Indonesia from 2011 to 2016 and found that higher level of microfinance significantly reduces poverty but it cannot be done to reduce income inequality. Using cross-country analysis data for 30 developing countries from 2013 to 2015, Ali and Ghoneim (2019) analyzed the effect of microfinance on income inequality by including two different measures of microfinance intensity, that is, the number of active borrowers and the value of microfinance loans.…”

Section: Literature Reviewmentioning

confidence: 99%

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Does microfinance program innovation reduce income inequality? Cross-country and panel data analysis

2022

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This paper uses cross-country and panel data set to test the significance of microfinance on income inequality reduction at the macro level for a sample of 57 developing countries for the periods 2000–2006 and 2007–2013. This study adopts panel data methodologies, such as ordinary least square (OLS), pooled ordinary least square (POLS) and instrumental variables (IV) estimations to overcome the endogeneity problems among the variables. Empirical results show that countries with higher MFIs’ gross loan portfolio per capita tend to have lower income inequality, which confirm the beneficial outcome of microfinance in reducing inequality at the macro level. Moreover, our results suggest that microfinance loans can lead to improve the relative income position of the poor in developing countries, albeit slowly. Our findings have relevant recommendations to policymakers, as they could generate suitable strategies to consider microfinance institutions as a more popular tool for fighting against both poverty and inequality.

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Section: Empirical Results and Discussioncontrasting

confidence: 99%

Section: Literature Reviewmentioning

confidence: 99%

Does microfinance program innovation reduce income inequality? Cross-country and panel data analysis

2022

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“…Banerjee et al, (2015) juga mengemukakan temuan yang cenderung sama, dimana tidak ditemukan perubahan signifikan dalam akses bidang kesehatan, pendidikan, atau pemberdayaan perempuan oleh penerima kredit mikro di daerah Hyderabad, Negara India. Arif et al, (2019) Dalam paper ini, PSM digunakan karena metode ini merupakan pendekatan non-parametrik yang didefinisikan dengan tujuan untuk menemukan perbandingan antara rumah tangga Provinsi Bali yang tidak menerima program dan penerima program KUR, sehingga kelompok penerima program memiliki kesamaan karakteristik yang dapat diamati dengan kelompok non penerima program (Blundell et al, 2005). Persamaan matematis dari model PSM adalah sebagai berikut:…”

Section: Pendahuluanunclassified

Dampak Program Kredit Usaha Rakyat Terhadap Kesejahteraan

Putra,

Widayat,

Putra

et al. 2023

jkp

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Program Kredit Usaha Rakyat (KUR) merupakan program pemerintah Indonesia yang dilaksanakan sejak tahun 2007 dengan tujuan meningktakan kesejahteraan dan menurunkan kemiskinan melalui pemberdayaan UMKM. Penelitian ini dilakukan bertujuan untuk mengukur dampak dari program KUR terhadap kesejahteraan masyarakat Provinsi Bali penerima program. Pendekatan yang digunakan dalam penelitian ini adalah evaluasi dampak melalui indikator pengeluaran rumah tangga atas bahan nonmakanan dan makanan. Pengukuran kuantitatif menggunakan metode Propensity Score Matching (PSM) dengan setdata yang diperoleh melalui Survei Sosial Ekonomi Nasional (Susenas) tahun 2018. Jika dibandingkan antara kelompok penerima program KUR dan kelompok yang tidak menerima, maka kelompok penerima program KUR memiliki pengeluaran nonmakanan lebih tinggi 8 persen dan pengeluaran makanan lebih tinggi 4 persen dibandingkan kelompok yang tidak menerima program KUR. Hasil penelitian menyimpulkan jika kelompok rumah tangga penerima program KUR cenderung lebih sejahterah dikarenakan memiliki pengeluaran keseluruhan yang lebih tinggi dari kelompok yang tidak menerima program. Program KUR yang dijalankan oleh pemerintah berdampak besar dalam meningkatkan kesejahteraan masyarakat khususnya dalam pengembangan sektor riil. Temuan dalam penelitian ini juga dapat menjadi rujukan dalam diskusi terkait kebijakan publik dan pengambil keputusan kebijakan publik.

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“…tween poverty and microfinance Arif et al (2019),Brooks (2008),Miled and Rejeb (2018). andMusibau et al (2019) asserted that the causal relationship between the intensity of microfinance and poverty is bidirectional and thus a source of endogeneity.…”

mentioning

confidence: 99%

Microfinance and Poverty Eradication in the North African Countries: A Heterogeneous Panel Causality Analysis

Elsherif

2023

JSS

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Microfinance is considered as an effective tool for poverty reduction and socioeconomic development. This paper examines the impact of microfinance on poverty eradication by analyzing the causal links between the intensity of microfinance and poverty estimates. It employs heterogeneous panel causality techniques on a sample of North African countries over the period 1990-2021. Furthermore, the paper studies the impact of other control variables on poverty namely: arable land; agricultural value added; inflation; youth population; trade openness; school expenditure; health expenditure; rural population and per capita GDP growth rate. Parameters are measured using the fixed-effect estimation. Results reveal that, access to microfinance through the increase in the number of active borrowers along with the average loan size reduce poverty significantly in the sample countries as measured by the headcount ratios and poverty gap. Policymakers and regulators should ensure that microfinance is targeted at more efficient and equitable lending which will create more opportunities, thus increasing income, economic empowerment and reducing poverty.

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Does microcredit affect poverty reduction in Macedonia?

Cited by 3 publications

References 14 publications

Does microfinance program innovation reduce income inequality? Cross-country and panel data analysis

Does microfinance program innovation reduce income inequality? Cross-country and panel data analysis

Dampak Program Kredit Usaha Rakyat Terhadap Kesejahteraan

Microfinance and Poverty Eradication in the North African Countries: A Heterogeneous Panel Causality Analysis

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