関連する実験動画
理論と実践におけるマイクロクレジット:インパクト評価のためのランダム化クレジットスコアリングの使用
1Department of Economics, Yale University, New Haven, CT 06520, USA. dean.karlan@yale.edu
まとめ
フィリピンの小額融資は借金を増加させましたが,ビジネス活動と福祉を低下させました. 予想通り女性の起業家精神を後押しすることはできませんでしたが,小額融資はリスク管理と地域社会とのつながりを改善しました.
科学分野:
- 開発経済学 開発経済学
- 行動経済学は,行動経済学である.
- 貧困の軽減 貧困の緩和
背景:
- マイクロクレジットは,貧困削減のための重要な世界的なツールであり,主に女性起業家をターゲットとしています.
- 支持者は,マイクロクレジットが企業の成長を刺激し,市場の失敗に対処することによって借り手の幸福度を高めると主張しています.
研究 の 目的:
- 企業成長,福祉,貧困に対するマイクロクレジットによる仮説的な影響を実証的に検証する.
- フィリピンの小額融資が借り手に影響を与える特定のチャネルを調査する.
主な方法:
- ランダム化制御試験 (RCT) は,フィリピンの1,601人を対象に実施されました.
- 個人の負債マイクロローン (平均225ドル) は,クレジットスコアリングによって割り当てられ,結果は11〜22ヶ月で評価されました.
主要な成果:
- 治療群の純借入は著しく増加し,年間利率約60%で満たされていない需要を示した.
- 事業活動と雇用水準は低下し,借入者の主観的な幸福度はわずかに低下した.
- 治療効果は女性ではより顕著ではなかったが,小額融資はリスクの対処,コミュニティの絆,そして非公式な信用へのアクセスを強化した.
結論:
- この文脈での小額融資は,支持者が示唆するように,企業の成長や福祉を刺激しませんでした.
- マイクロクレジットによる利益は,直接的な事業拡大ではなく,リスク管理の改善や社会資本などのメカニズムを通じて生じることがあります.
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