Estimating the Depth of Microfinance Programme Outreach: Empirical Findings from Rural Pakistan

A. Ghalib
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引用次数: 9

Abstract

Microfinance has emerged on the global scale as a key strategy to reduce poverty and promote development. Most of the relevant literature, however, tends to concentrate on breadth as opposed to depth of programme outreach. This paper is based on a primary household survey of 1,132 respondents in the Punjab Province of Pakistan to assess which category of the poor is being served by microfinance institutions. Are they the very poor, middle poor or less poor households? In order to make comparisons, borrower (treatment) and non-borrower (control) households are interviewed and, by employing Principal Component Analysis (PCA), each household is allocated a specific poverty score in relation to all other households in the sample. Once the poverty index is obtained, sampled households are ranked in order of varying poverty levels. Comparisons are later made between borrower and non-borrower households to estimate programme outreach. The paper concludes with findings that the depth of poverty outreach is significantly lower than what has been hitherto proclaimed by service providers and reflects on policy implications to enhance depth (as opposed to breadth) of programme outreach to address the needs of the poorest of the poor, in order to contribute meaningfully and effectively towards combating poverty.
估计小额信贷计划推广的深度:来自巴基斯坦农村的实证研究结果
小额信贷已成为全球范围内减少贫困和促进发展的一项关键战略。然而,大多数有关文献往往侧重于方案推广的广度,而不是深度。本文基于对巴基斯坦旁遮普省1132名受访者的初步家庭调查,以评估小额信贷机构正在为哪一类穷人提供服务。他们是赤贫家庭、中等贫困家庭还是不那么贫困的家庭?为了进行比较,对借款人(处理)和非借款人(控制)家庭进行了访谈,并通过采用主成分分析(PCA),为每个家庭分配了与样本中所有其他家庭相关的特定贫困分数。一旦获得贫困指数,抽样家庭将按照不同的贫困程度排序。后来对借款户和非借款户进行比较,以估计方案的外延。本文的结论是,贫困外延的深度明显低于服务提供者迄今所宣称的深度,并反映了提高方案外延的深度(而不是广度)以解决穷人中最贫穷者的需求的政策影响,以便为消除贫困作出有意义和有效的贡献。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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