Who Benefits? The Interactional Determinants of Microfinance’s Varied Effects
通过混合方法研究，分析小额信贷贷款和教育服务的短期与长期效果，探讨为何同一机构内不同借款人受益程度不同，并识别借款人、员工多样性及互动等被忽视的影响因素。
Since its emergence as a development tool, scholars and practitioners have questioned microfinance’s short- and long-term impacts but have had insufficient empirical evidence to assess them. To address this gap, this paper draws on mixed method research to assess the effects of microfinance loan and educational services over time. It explores why, even within the same microfinance institution (MFI), some borrowers benefit from microfinance services more than others in the short-term, and examines how this translates into long-term impacts. The article identifies understudied sources of intra-group variation: the diversity and choices of borrowers and MFI employees interacting with each other and their broader contexts.