小额信贷的最大受益者是谁？来自撒哈拉以南非洲的微观证据

IF 5.4 1区经济学 Q1 DEVELOPMENT STUDIES

World Development Pub Date : 2025-04-30 DOI:10.1016/j.worlddev.2025.107023

Emmanuel O. James , Dimitrios Bakas , Piers Thompson , John Ebireri

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引用次数: 0

摘要

本文超越了典型的平均效应分析，考察了谁真正受益于小额信贷。利用2010年至2019年撒哈拉以南非洲国家样本的家庭层面面板数据，通过分位数面板框架，我们表明，小额信贷对低收入和中低收入国家低于特定福利水平的家庭具有积极影响。相反，对富裕家庭的影响则不那么明显。我们的研究结果强调了福利结果的不平等，尤其有利于低收入至中位数的家庭。值得注意的是，小额信贷的影响因国家的福利水平而异，在低收入国家观察到显著的影响。政策建议强调针对中低收入福利家庭进行小额信贷干预，以提高福利成果。

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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Who Benefits the Most from Micro-Credit? Micro-Level Evidence from Sub-Saharan Africa

This paper moves beyond typical mean effect analysis to examine who truly benefits from micro-credit. Utilising household-level panel data from 2010 to 2019 for a sample of Sub-Saharan African countries, via a quantile panel framework, we show that micro-credit has positive outcomes for households below specific welfare levels in low and lower-middle income countries. Conversely, the impact is less pronounced for wealthier households. Our results highlight inequalities in welfare outcomes, particularly favouring households in low to median quantiles. Notably, the effects of micro-credit vary across countries’ welfare levels, with significant impacts observed in low income countries. Policy recommendations emphasise targeting micro-credit interventions towards low to median welfare households to enhance welfare outcomes.

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来源期刊

World Development Multiple-

CiteScore

12.70

自引率

5.80%

发文量

320

期刊介绍： World Development is a multi-disciplinary monthly journal of development studies. It seeks to explore ways of improving standards of living, and the human condition generally, by examining potential solutions to problems such as: poverty, unemployment, malnutrition, disease, lack of shelter, environmental degradation, inadequate scientific and technological resources, trade and payments imbalances, international debt, gender and ethnic discrimination, militarism and civil conflict, and lack of popular participation in economic and political life. Contributions offer constructive ideas and analysis, and highlight the lessons to be learned from the experiences of different nations, societies, and economies.