Is microfinance really helping the most vulnerable? An empirical test of the effectiveness of the Ghana’s Microfinance Policy Reform

Is microfinance really helping the most vulnerable  An empirical test of the effectiveness of the Ghana s Microfinance Policy Reform.pdf

Dublin Core

Title

Is microfinance really helping the most vulnerable? An empirical test of the effectiveness of the Ghana’s Microfinance Policy Reform

Creator


Luis Serrano-Diaz, Gyimah Sackey, Frank

Description

The study aims to test the effectiveness of the Ghana Microfinance Policy of 2006 set up to support women and youth through access to credit. Our results show that, after controlling for a large number of variables, female and young entrepreneurs are less likely to be rationed in the access to microcredit and that this is largely determined by the differential treatment that they receive from microfinance institutions. Our analysis using regression decomposition techniques indicates that positive discrimination in favour of women and youth exists. Surprisingly, our results show that government microfinance policy accounts for the most severe rationing behaviour towards the targeted groups by the law.

Publisher

Routledge, Taylor and Francis

Date

2022

Source

https://scholar.google.com/citations?view_op=view_citation&hl=en&user=dzxWX-AAAAAJ&cstart=20&pagesize=80&citation_for_view=dzxWX-AAAAAJ:hFOr9nPyWt4C

Language

English