NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

NBER Publications by Heike Harmgart

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November 2012The Impacts of Microcredit: Evidence from Bosnia and Herzegovina
with Britta Augsburg, Ralph De Haas, Costas Meghir: w18538
We use an RCT to analyze the impacts of microcredit. The study population consists of loan applicants who were marginally rejected by an MFI in Bosnia. A random subset of these were offered a loan. We provide evidence of higher self-employment, increases in inventory, a reduction in the incidence of wage work and an increase in the labor supply of 16-19 year olds in the household’s business. We also present some evidence of increases in profits and a reduction in consumption and savings. There is no evidence that the program increased overall household income.

Contact and additional information for this authorAll NBER papers and publicationsNBER Working Papers only

 
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