Does Contingent Repayment in Microfinance Help the Poor During Natural Disasters?
研究了孟加拉国小额信贷机构自2002年起实施的应急还款机制，发现该机制在2004年洪灾期间通过允许受灾成员调整储蓄和还款，使人们减少用餐的概率降低5.1%，对无地者和女性效果更显著。
Abstract Microfinances in Bangladesh introduced a contingent repayment system beginning in 2002, which allowed rescheduling of savings and installments during natural disasters for affected members. This paper is one of the first attempts to evaluate the system employing a unique dataset. In using evidence from a flood in 2004, the author found that rescheduling plays the role of a safety net by decreasing the probability that people skip meals during negative shocks by 5.1 per cent. This effect is even higher on the landless and females. This study attempts to contribute to the issue regarding the poverty reduction effect of microfinances.