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Who Benefits? The Interactional Determinants of Microfinance’s Varied Effects

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  • Erin Beck
  • Michael Aguilera
  • James Schintz

Abstract

Since its emergence as a development tool, scholars and practitioners have questioned microfinance’s short- and long-term impacts but have had insufficient empirical evidence to assess them. To address this gap, this paper draws on mixed method research to assess the effects of microfinance loan and educational services over time. It explores why, even within the same microfinance institution (MFI), some borrowers benefit from microfinance services more than others in the short-term, and examines how this translates into long-term impacts. The article identifies understudied sources of intra-group variation: the diversity and choices of borrowers and MFI employees interacting with each other and their broader contexts.

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  • Erin Beck & Michael Aguilera & James Schintz, 2018. "Who Benefits? The Interactional Determinants of Microfinance’s Varied Effects," Journal of Development Studies, Taylor & Francis Journals, vol. 54(2), pages 235-255, February.
    • Handle: RePEc:taf:jdevst:v:54:y:2018:i:2:p:235-255
    DOI: 10.1080/00220388.2017.1296570
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    Cited by:

    1. Zhao Ding & Awudu Abdulai, 2020. "An Analysis of the Factors Influencing Choice of Microcredit Sources and Impact of Participation on Household Income," Journal of International Development, John Wiley & Sons, Ltd., vol. 32(4), pages 505-525, May.

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