Resisting Social Pressure in the Household Using Mobile Money: Experimental Evidence on Microenterprise Investment in Uganda
中文摘要
我考察了改变小额信贷贷款的发放形式能否使女性小额信贷借款人克服家庭内部的分享压力并发展其业务。通过在乌干达对 3,000 名借款人开展的一项实地实验，我将贷款以现金形式发放与发放至数字账户进行了比较。8 个月后，将小额信贷贷款发放至数字账户的女性，其经营资本比收到现金贷款的女性高 11%（70 美元），利润高 15%（18 美元）。对于在基期经历过与家庭其他成员分享钱财压力的女性，影响最大。（JEL C93, D13, G51, J16, O12, O16）
Abstract
I examine whether changing the form of disbursement of a microfinance loan enables female microfinance borrowers to overcome intra-household sharing pressure and grow their businesses. Using a field experiment with 3,000 borrowers in Uganda, I compare the disbursement of a loan as cash to disbursement onto a digital account. After 8 months, women who received their microfinance loan on the digital account had 11 percent higher (US$70) business capital and 15 percent higher (US$18) profits compared to those who received their loan as cash. Impacts were greatest for women who experienced pressure to share money with others in the household at baseline. (JEL C93, D13, G51, J16, O12, O16)