Evaluating the impact of Egyptian Social Fund for Development programmes

Abou-Ali, Hala; El-Azony, Hesham; El-Laithy, Heba; Haughton, Jonathan; Khandker, Shahid

doi:10.1080/19439342.2010.529926

Cited by 22 publications

(13 citation statements)

References 7 publications

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“…The emergence of ‘crises’ and ‘scandals’ from different countries across the world over the past 10 years has polarized opinions about microfinance's impact. On the one hand, a number of quantitative studies provide evidence of microfinance's positive impacts on some dimensions, including income, well‐being and consumption expenses in Kenya (Erulkar and Chong, ), Ethiopia (Haftom, ; Tesfay and Gardebroek, ), Egypt (Abou‐Ali et al., ), India (Imai et al., ), Sri Lanka (De Silva, ; Thibbotuwawa et al., ), Pakistan (Ghalib et al., ) and Bangladesh (Islam, ; Islam and Maitra, ; Khandker and Samad, ).…”

Section: Introductionmentioning

confidence: 99%

Understanding Social Performance: A ‘Practice Drift’ at the Frontline of Microfinance Institutions in Bangladesh

Maîtrot¹

2018

Development and Change

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This article examines the role of microfinance staff and procedures in enabling microfinance's social mission. It does so primarily through studying institutional ruling relations and practices in rural Bangladesh. Attempting to move away from the linear and deterministic approaches of impact studies, it ethnographically scrutinizes the everyday practices of implementers. Findings point to the emergence of systemic practices that jeopardize microfinance institutions' potential to perform their social mission. These include low client-selection standards, hard selling of loans and forceful loan renewal, little follow-up on loan use, and abusive and violent client-retention and repayment-collection strategies. This is conceptualized as a 'practice drift' as distinct from the commonly reported 'mission drift'. Rather than stemming from planned, top-down changes in institutional mission and strategy, practice drift emerges from a displacement of decision-making processes to the branches. The article argues that observed changes in microfinance practice are enabled by decentralized structures and management systems that leave the choice of tactics used to achieve targets to the discretion of field staff.

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Section: Introductionmentioning

confidence: 99%

Understanding Social Performance: A ‘Practice Drift’ at the Frontline of Microfinance Institutions in Bangladesh

Maîtrot¹

2018

Development and Change

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“…Moreover, farmers confront disasters such as drought, leading to further decreases in their income (Diagne and Zeller, 2001). Likewise, borrowers who invest loans in farming often stop doing paid work outside the farm (Abou-Ali et al, 2010). Regarding expenditure, poor entrepreneurs are not able to make significant financial gains because they are unable to accumulate more than a certain level of wealth which would enable them to shift private expenditure into business activities (Waelde, 2011).…”

Section: Discussionmentioning

confidence: 99%

Impact of microfinance programs in Thailand

Hemtanon

Gan

2021

AFR

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PurposeThe purpose of this paper is to analyze the impact of microfinance programs on the income and food expenditure of farm and nonfarm households in Thailand.Design/methodology/approachThe study employs secondary data from the Thai Socioeconomic Survey (cross-sectional data from 2017 and panel data from 2012 to 2017). The cross-sectional data (2017) include 43,210 households. Panel data from the 2012 and 2017 Socioeconomic surveys (SES surveys) include 4,406 households. The estimation methods include propensity score matching (PSM) and a fixed effect (FE) model.FindingsThe result shows that village funds (VFs) have a significant negative impact on income and food expenditure for both farm and nonfarm households. The empirical results reveal that the saving groups for production (SGPs) effects are positively significant in terms of income and food expenditure, but only for farm households. The FE model result also shows that while VFs have a negative impact on income they have a positive impact on food expenditure for farm households. In contrast, SPGs have no impact on both farm and nonfarm households' income and food expenditure.Practical implicationsFarm and nonfarm households require both welfare and microfinance programs. Microfinance programs can only help these households once they have the necessary education. The government should provide social programs and business skills for these households; completion of these courses should be a pre-requisite for accessing microfinance programs.Originality/valueThis study is unique because it reveals the microfinance impact between VFs and SGPs programs so that most low-income and poor people in Thailand can access basic financial services.

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“…While some studies find positive effects on self-employment (Abou-Ali et al, 2010;Banerjee, Duflo, et al, 2015;Dunn and Arbuckle, 2001;Tedeschi and Karlan, 2010), others show negative ones (Gubert and Roubaud, 2011;Karlan and Zinman, 2011), or mixed results depending on the gender of borrowers (Chemin, 2008;Montgomery, 2005;Pitt and Khandker, 1998;Roodman and Morduch, 2014), individual versus group lending (Attanasio et al, 2015) and informal versus formal sector (Bruhn and Love, 2014) and yet a last group of studies does not detect any significant impact at all (Angelucci et al, 2015;Coleman, 1999 andCrépon et al, 2015;Duvendack and Palmer-Jones, 2012;Setboonsarng and Parpiev, 2008). The heterogeneity of estimated effects for self-employment is also reflected in a synthesis study on the impact of improved access to finance (including microfinance) on employment by Grimm and Paffhausen (2015).…”

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confidence: 99%

Microfinance beyond self-employment: Evidence for firms in Bulgaria

Erhardt¹

2017

Labour Economics

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This paper provides new evidence on the impact of microfinance on job creation beyond selfemployment. We examine wage-employment effects for a typical program in Eastern Europe with average loan sizes that are considerably above what has been studied so far. We apply propensity score matching extended by a difference-in-differences estimator to panel data from an individuallending program to firms in Bulgaria. Our results indicate that microcredit has very positive effects on job creation. Participating firms have on average 2.5 (or 33 percent) more employees two years after receiving a microcredit than matched non-participants. This strong effect seems to be related to a certain loan size threshold necessary for positive impacts to unfold. Effects are largest for the smallest firms, supporting findings from other studies that small firms are more constrained by credit than large firms. Investigating dynamic effects for up to six years after treatment, we furthermore show that effects are long lasting.

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Evaluating the impact of Egyptian Social Fund for Development programmes

Cited by 22 publications

References 7 publications

Understanding Social Performance: A ‘Practice Drift’ at the Frontline of Microfinance Institutions in Bangladesh

Understanding Social Performance: A ‘Practice Drift’ at the Frontline of Microfinance Institutions in Bangladesh

Impact of microfinance programs in Thailand

Microfinance beyond self-employment: Evidence for firms in Bulgaria

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