The Impacts of Microcredit: Evidence from Bosnia and Herzegovina
通过随机对照试验，研究了被小额信贷机构边缘拒绝的贷款申请者中，随机获得贷款的人相比未获得者，自雇就业增加、库存上升、工资工作减少、16-19岁青少年在家庭企业中的劳动供给增加，但未发现家庭总收入提高。
We use an RCT to analyze the impacts of microcredit. The study population consists of loan applicants who were marginally rejected by an MFI in Bosnia. A random subset of these were offered a loan. We provide evidence of higher self-employment, increases in inventory, a reduction in the incidence of wage work and an increase in the labor supply of 16–19-year-olds in the household's business. We also present some evidence of increases in profits and a reduction in consumption and savings. There is no evidence that the program increased overall household income.