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An analysis of the factors influencing choice of microcredit sources and impact of participation on household income

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  • Ding, Z.

Abstract

It is widely accepted that rural microcredit has the potential to contribute to poverty reduction in developing countries. This paper examines the factors that affect rural residents decisions to participate in different types of microcredit, and how these factors impact on household income and consumption, using cross-sectional data from a survey in China. A multinomial endogenous switching regression model is employed to account for selection bias and treatment effects. The empirical findings indicate that family size, dependency ratio, local casual wage rate, credit information and shocks mainly determine the selection of different credit sources. Furthermore, the estimates reveal that participation in microcredit tends to increase both per capita income and consumption significantly. Acknowledgement :

Suggested Citation

  • Ding, Z., 2018. "An analysis of the factors influencing choice of microcredit sources and impact of participation on household income," 2018 Conference, July 28-August 2, 2018, Vancouver, British Columbia 276953, International Association of Agricultural Economists.
    • Handle: RePEc:ags:iaae18:276953
    DOI: 10.22004/ag.econ.276953
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    Cited by:

    1. Abera Alemu & Zerhun Ganewo, 2023. "Impact Analysis of Formal Microcredit on Income of Borrowers in Rural Areas of Sidama Region, Ethiopia: A Propensity Score Matching Approach," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 14(1), pages 65-85, March.

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    Keywords

    Food Security and Poverty;

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