| Summary: | 碩士 === 國立政治大學 === 應用經濟與社會發展英語碩士學位學程(IMES) === 105 === The following research uses a panel linear model regression to detect possible effects Microfinance and its iterations (namely microcredit, microsavings, microinsurance, and remittance services offered by microfinancial institutions) have on distinct social outcomes such as poverty and secondary school enrollment rates. The study sample consists of 20 countries in the Latin American and Caribbean region observed during a period of 4 years (2011-2014).
After subdividing the sample into comparable groups the results yielded statistically significant negative effects on poverty headcount, and statistically significant positive effects on secondary school enrollment rates across the subgroups. The results from other social welfare dimensions such as health, business creation, household consumption, and income per capita were insignificant. Due to the increasing presence of Microfinancial institutions in Latin America and the Caribbean, there is sufficient reason to encourage further research to be done in which more experienced researchers can use more statistically complex models (such as IV, RCTs, quasi-experimental surveys) to try to determine whether or not there is a causal relationship between microfinance and the effects herein described. For policymakers and funders of NMPs, the takeaway is that they should encourage both advocates and critics to present transparent and replicable studies to back their claims.
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