| 51. |
- Bali Swain, Ranjula, et al.
(författare)
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Assessing the Effect of Microfinance on Vulnerability and Poverty among Low Income Households
- 2012
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Ingår i: Journal of Development Studies. - : Informa UK Limited. - 0022-0388 .- 1743-9140. ; 48:5, s. 605-618
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Tidskriftsartikel (refereegranskat)abstract
- We empirically investigate whether participation in the Indian Self Help Group (SHG) microfinance programme has helped reduced poverty and household vulnerability using cross-sectional SHG rural household survey data. The potential selection bias is eliminated by propensity score matching to estimate the average treatment on treated effect using nearest neighbour matching and a local linear regression algorithm. We find that vulnerability in SHG members is not significantly higher than in non-SHG members, even though the SHG members have a high incidence of poverty. However, vulnerability declines significantly for those that have been SHG members for more than one year. These results are found to be robust using sensitivity analysis and the Rosenbaum bounds method.
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| 52. |
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| 53. |
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| 54. |
- Bali Swain, Ranjula
(författare)
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Credit programs in Eritrea
- 1998
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Ingår i: Afraca Newsletter.
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Tidskriftsartikel (populärvet., debatt m.m.)
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| 55. |
- Bali Swain, Ranjula, et al.
(författare)
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Delivery mechanisms and impact of microfinance training in indian self-help groups
- 2013
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Ingår i: Journal of International Development. - : Wiley. - 0954-1748 .- 1099-1328. ; 25:1, s. 11-21
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Tidskriftsartikel (refereegranskat)abstract
- We evaluate the effect of delivery mechanisms for training provided by facilitators of self-help groups. Indian self-help groups are unique in that they are mainly non-government organisation-formed microfinance groups but later funded by commercial banks. We correct for both membership and training endogeneity. Training impacts assets but not income. Underlying conditions that benefit training include better infrastructure (as in paved roads), linkage model type and training organiser.
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| 56. |
- Bali Swain, Ranjula
(författare)
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Demand, segmentation and rationing in the rural credit markets of Puri
- 2001
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Doktorsavhandling (övrigt vetenskapligt/konstnärligt)abstract
- This thesis consists of five chapters.Chapter 1 and 2 The first chapter presents the introduction and the summary and the second chapter provides details on the survey and the data collection.Chapter 3 The demand and supply of credit in the rural finance markets are investigated in this paper using data on 989 households, in Orissa, India. The aim is to study the effects of household, farm productive characteristics and the policy variables on the demand and supply of credit. A type 3 Tobit model is estimated which corrects for sample selection and endogeniety bias. In addition, a generalised Double Hurdle model is estimated where the household's access to credit is treated distinctly from decisions about the interest rate charged. The results from the type 3 tobit model suggest that the size of the operational holdings, net-wealth, the dependency ratio, educational level of the household and the wages and output prices are important determinants of the demand and supply of credit. The Double Hurdle model suggests the important result that the size of land owned plays a crucial role in whether the household obtains a loan or not.Chapter 4 Based on the 'Rural Credit Market Survey of the Puri district in India', this paper investigates evidence on segmentation in the rural credit markets of Puri district. It further investigates the presence of any systematic association between the type of collateral offered by the household and the rate of interest at which it borrows. The data shows differences in the loan characteristics between the households borrowing from the formal and the informal sector. The empirical results confirm the presence of segmentation in the Puri credit market. For the households borrowing from the informal sector and the moneylenders, evidence also shows that the marketability of the collateral is inversely related to the interest rate. However, no such clear relationship is found for households borrowing from the formal sector.Chapter 5 In the theoretical and the empirical literature on rural credit markets it is widely assumed that the households are credit rationed in the formal sector, which offers subsidised credit. This view rests on the assumptions that all households have a positive demand for formal credit and that it is the cheaper source of credit. Three different models of formal credit rationing are estimated in this paper. The first model is a conventional credit-rationing model. The second model assumes that the probability to borrow from the formal sector is jointly determined by the demand for credit and the decision of the bank on access. Finally, the third model relaxes both these assumptions and the household chooses between borrowing from the formal or the informal sector. The results confirm that the access to the formal sector in the Puri rural credit markets is limited and that there exists a high demand for credit. This suggests a high degree of effective credit rationing by the formal sector in Puri.
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| 57. |
- Bali Swain, Ranjula
(författare)
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Differential impact of microfinance delivery mechanism on vulnerability
- 2012
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Ingår i: Applied Economics Letters. - : Informa UK Limited. - 1350-4851 .- 1466-4291. ; 19:8, s. 721-724
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Tidskriftsartikel (refereegranskat)abstract
- Microfinance reduces vulnerability. We investigate if this impact varies by the delivery mechanism used. Correcting for the membership selection bias using Propensity Score Matching (PSM), the household's vulnerability is estimated using the Self-Help Group (SHG) microfinance programme data in India. The results show that the reduction in vulnerability is greater for villages with better infrastructure and for SHGs that are formed by NGOs and linked by banks (linkage model 2).
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| 58. |
- Bali Swain, Ranjula, 1968-, et al.
(författare)
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Does Foreign Aid Improve Gender Performance In Recipient Countries?
- 2020
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Ingår i: Journal of International Development. - : Wiley. - 0954-1748 .- 1099-1328. ; 32:7, s. 1171-1193
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Tidskriftsartikel (refereegranskat)abstract
- An explicit goal of foreign aid is to promote female empowerment and gender equality in developing countries. We investigate if foreign aid achieves this intended goal by examining its impact on the gender performance of recipient countries at the country level. Employing structural equation models, our results suggest that aid alone, even when targeted to directly improve gender outcomes, is unlikely to shift systemic inequalities. Aid will need to bolster civil society efforts that challenge institutional structures and norms in order to impact gender outcomes at the country level.
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| 59. |
- Bali Swain, Ranjula, et al.
(författare)
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Does microfinance empower women? : Evidence from self-help groups in India
- 2009
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Ingår i: International review of applied economics. - : Taylor&Francis Group. - 0269-2171 .- 1465-3486. ; 23:5, s. 541-556
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Tidskriftsartikel (refereegranskat)abstract
- Microfinance programmes like the Self Help Bank Linkage Program in India have been increasingly promoted for their positive economic impact and the belief that they empower women. However, only a few studies rigorously examine the link between microfinance and women's empowerment. This article contributes to this discussion by arguing that women's empowerment takes place when women challenge the existing social norms and culture, to effectively improve their well-being. It empirically validates this hypothesis by using quasi-experimental household sample data collected for five states in India for 2000 and 2003. A general model is estimated by employing appropriate techniques to treat the ordinal variables in order to estimate the impact of the Self Help Group (SHG) on women's empowerment for 2000 and 2003. The results strongly demonstrate that on average, there is a significant increase in the empowerment of women in the SHG members group. No such significant change is observed however, for the members of the control group. The elegance of the result lies in the fact that the group of SHG participants show clear evidence of a significant and higher empowerment, while allowing for the possibility that some members might have been more empowered than others.
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| 60. |
- Bali Swain, Ranjula, et al.
(författare)
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Does Self Help Group Participation Lead to Asset Creation?
- 2009
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Ingår i: World Development. - : Elsevier BV. - 0305-750X .- 1873-5991. ; 37:10, s. 1674-1682
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Tidskriftsartikel (refereegranskat)abstract
- We evaluate the effect of Self Help Group participation on a long term impact parameter, namely asset creation. Indian Self Help Groups (SHGs) are unique in that they are mainly NGO-formed microfinance groups but later funded by commercial banks. The results reveal that longer membership in SHGs positively impacts asset creation, robust to various asset specifications. With longer participation in SHGs, members move away from pure agriculture as an income source towards other sources such as livestock income. Training by NGOs positively impacts asset creation but the type of SHG linkage per se has no effect.
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