Welfare Impacts of Microcredit Programmes: An Empirical Investigation in the State‐Designated Poor Counties of Shaanxi, China

Journal of International Development, Vol. 27, p. 1012-1026, 2015

Posted: 2 Jun 2017

See all articles by M. Wakilur Rahman

M. Wakilur Rahman

Bangladesh Agricultural University - Department of Rural Sociology

Jianchao Luo

Independent

Minjuan Zhao

Northwest Agricultural and Forestry University - College of Economics and Management

Date Written: June 1, 2015

Abstract

This paper evaluates the welfare impacts of microcredit programmes and the activities of non-governmental organization microfinance service providers in state-designated poor counties of Shaanxi, China. Study results suggest positive impacts on microcredit programme participants with respect to increased income (by 4.07 per cent), general expenditures (6.45 per cent) and savings (3.13 per cent). Top income quartile participants experience more benefits, and women gain greater access to decision-making. These findings suggest that successful and sustainable microcredit intervention improves lives and plays an important role in improving rural economy, possibly reducing inequality between rural and urban areas in China.

Suggested Citation

Rahman, M. Wakilur and Luo, Jianchao and Zhao, Minjuan, Welfare Impacts of Microcredit Programmes: An Empirical Investigation in the State‐Designated Poor Counties of Shaanxi, China (June 1, 2015). Journal of International Development, Vol. 27, p. 1012-1026, 2015, Available at SSRN: https://ssrn.com/abstract=2978489

M. Wakilur Rahman (Contact Author)

Bangladesh Agricultural University - Department of Rural Sociology ( email )

Department of Rural Sociology, BAU, Mymensingh
Mymensingh 2202, NA 2202
Bangladesh
8801686577573 (Phone)
880-91-55810 (Fax)

HOME PAGE: http://ssrn.com/author=995042

Jianchao Luo

Independent ( email )

Minjuan Zhao

Northwest Agricultural and Forestry University - College of Economics and Management ( email )

Yangling
China

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