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Full-Text Articles in Social and Behavioral Sciences
Aspirations As A Component Of Life Satisfaction: A Look At Female Microfinance Borrowers In Oaxaca, Mexico, Joseph E. Kemler
Aspirations As A Component Of Life Satisfaction: A Look At Female Microfinance Borrowers In Oaxaca, Mexico, Joseph E. Kemler
Master's Theses
This research is an extension to the Oaxaca Hope Project by B. Wydick and T.J. Lybbert. How does an individual gauge her own satisfaction with life? Previous research has noted that many domains make up overall life satisfaction, i.e. career satisfaction, family life satisfaction & social life satisfaction. A burgeoning topic in this regard is the role that aspirations play in life satisfaction. Using survey data from female microfinance borrowers in Oaxaca, Mexico this project attempts to analyze the affect previous aspirations have on life satisfaction. By creating an “aspirational window” we objectively attempt to gauge the relationship between “high” …
Gender Bias In Microlending: Do Opposites Attract?, Kanyinsola Adepoju
Gender Bias In Microlending: Do Opposites Attract?, Kanyinsola Adepoju
Master's Theses
This study exploits a quasi-random assignment of clients to loan officers using a unique database and survey from a large microfinance bank in Nigeria to show that opposite-sex preferences affect credit demand and supply. We find that clients matched to loan officers of the opposite gender are more likely to receive credit and are more likely to return for an additional loan with the credit lender.
Beyond The Economic: The Freedoms, Capabilities, And Social Capital Of Latin American Women Entrepreneurs In San Francisco, Melia M. Vilain
Beyond The Economic: The Freedoms, Capabilities, And Social Capital Of Latin American Women Entrepreneurs In San Francisco, Melia M. Vilain
Master's Theses
In light of the scholarly debate surrounding the goals and mixed effects of development programs, particularly in recent years in relation to microfinance, this study investigates the effects of economic development programs on Latin American women entrepreneurs in San Francisco’s Mission District. It demonstrates that microfinance, when combined with education, can provide important non-economic benefits that contribute to increased freedoms and capabilities for immigrant women entrepreneurs. Drawing on qualitative interviews with ten business owners, as well as a review of the existing literature surrounding development, immigration, and gender, this research argues that owning a business in the US can produce …
Cash-In-Hand, Wives-In-Power: An Exploratory Analysis Of Microfinance In Jordan, Lauren Pugh
Cash-In-Hand, Wives-In-Power: An Exploratory Analysis Of Microfinance In Jordan, Lauren Pugh
Master's Theses
Microfinance is an economic policy complimentary to advancing female empowerment. Empowerment is particularly relevant in patriarchic Islamic contexts in the Middle East, however little research exists. Due to counterfactual creation and inconsistent empowerment measurement, the true impact is debated. This research proposes intra-spousal decision-making outcomes as the appropriate proxy to empowerment and uses a nuanced approach of counterfactual creation by utilizing responses from previous microfinance borrowers. Survey data from a Jordanian MFI is used to examine the endogeneity story and cash-in-hand effects on intra-spousal decision-making outcomes. An instrumental variable estimation technique finds a weak link between microfinance and empowerment.
Different Uses Of Microfinance Among Conventional And Islamic Borrowers: Evidence From Jordan, Ngan Bui
Different Uses Of Microfinance Among Conventional And Islamic Borrowers: Evidence From Jordan, Ngan Bui
Master's Theses
The paper focuses on investment decisions made by microfinance borrowers in Jordan. While there has been a lot of literature concentrating on the level of investment after credit access was made available, there has been very limited research on the impact of Islamic microfinance. The amount of literature comparing Islamic financing and its conventional counterpart is even more uncommon. This study will look at how conventional and Islamic borrowers differ in their decisions pertaining to business investments, home improvement projects and consumer durable goods. Results show that microfinance loan take-ups do lead to a higher probability of business investments. In …
Why Risk It? The Effect Of Risk And Time Preferences On Microfinance Loan Default, Nike Start
Why Risk It? The Effect Of Risk And Time Preferences On Microfinance Loan Default, Nike Start
Master's Theses
Microfinance is widely recognized as a powerful method for poverty
alleviation. However, little is known about the characteristics of those who
default on their loans. Understanding the behavior of borrowers is an important
component of mitigating adverse selection and the moral hazard of lending. Both
of these concepts embody some of the greatest challenges faced by microfinance
institutions, and they provide the major motivation for this study. Accordingly,
the main objective of this research is to investigate whether non-delinquent
borrowers and delinquent borrowers of a microfinance institution reveal any
difference in their level of risk preference and time preference. This …
Microfinance Partnerships: A Bridge For Refugees, Megan Fielding
Microfinance Partnerships: A Bridge For Refugees, Megan Fielding
Master's Theses
My thesis examines the extension of microfinance to a refugee community; the objective focuses on economic assistance and a bridge to provide the required basic needs, as reported by the refugee population. With the global growth of refugees, the repositioning of refugees from either being cast aside as a potentially productive society or completely overlooked, is critical. Through my research in Ecuador, my thesis takes the viewpoint that refugees do, in fact, matter, and can become productive contributors to a society. The challenge that is presented in that viewpoint is: how do they become a part of a society?