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Return to Micro‐credit on Small‐scale Businesses: A Case Study of Ghanaian MFI

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  • James Atta Peprah
  • Ayi Gavriel Ayayi

Abstract

The paper uses two rounds of survey to examine the relative returns to micro‐credit for small‐scale businesses in two regions of Ghana. Propensity scores matching and the nearest neighbour matching are used to assess the return to micro‐loans on retail businesses of clients and non‐clients. Micro‐credit impacts on sales, stock, expenses and profit for clients as compared with non‐clients. Women‐owned businesses produce higher returns from micro‐credit than men‐owned businesses. Individual and enterprise characteristics influence access to micro‐credit. The paper offers policy recommendations to microfinance institutions on whom and which business activity to give credit. Copyright © 2015 John Wiley & Sons, Ltd.

Suggested Citation

  • James Atta Peprah & Ayi Gavriel Ayayi, 2016. "Return to Micro‐credit on Small‐scale Businesses: A Case Study of Ghanaian MFI," Journal of International Development, John Wiley & Sons, Ltd., vol. 28(4), pages 606-622, May.
    • Handle: RePEc:wly:jintdv:v:28:y:2016:i:4:p:606-622
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    Cited by:

    1. Mohd Abass Bhat & Geleta Demera Gomero & Shagufta Tariq Khan, 2024. "Antecedents of Savings Behaviour Among Rural Households: A Holistic Approach," FIIB Business Review, , vol. 13(1), pages 56-71, January.
    2. Betgilu Oshora & Maria Fekete-Farkas & Zoltan Zeman, 2020. "Role Of Microfinance Institutions In Financing Micro And Small Enterprises In Ethiopia," Copernican Journal of Finance & Accounting, Uniwersytet Mikolaja Kopernika, vol. 9(3), pages 115-130.
    3. Rafiatul Adlin Hj Mohd Ruslan & Christopher Gan & Baiding Hu & Nguyen Thi Thieu Quang, 2019. "Accessibility to Microcredit by Small- and Medium-Sized Enterprises in Malaysia," International Journal of Business and Economics, School of Management Development, Feng Chia University, Taichung, Taiwan, vol. 18(3), pages 287-305, December.
    4. Rafiatul Adlin Hj Mohd Ruslan & Christopher Gan & Baiding Hu & Nguyen Thi Thieu Quang, 2020. "Impact of Microcredit on SMEs Performance in Malaysia," International Journal of Business and Economics, School of Management Development, Feng Chia University, Taichung, Taiwan, vol. 19(1), pages 109-130, June.

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