Assessing the Impact of Microcredit: A Zambian Case Study
研究了赞比亚城市信贷项目对商业绩效和福祉指标的影响，发现获得二次贷款的借款人利润和收入增长显著，但僵化的集体还款执行使部分借款人境况恶化。
Expectations are high, but evidence of the impact of microcredit remains in short supply. This article estimates the impact of an urban credit programme in Zambia on business performance and on a range of indicators of wellbeing. Borrowers who obtained a second loan experienced significantly higher average growth in business profits and household income. Inflexible group enforcement of loan obligations resulted in some borrowers, especially amongst those who had taken only one loan, being made worse off. Our methodological investigations suggest that the supply of rigorous impact studies can be increased by basing them on data collection that serves a wider range of purposes, including market research.