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Microfinance Non-Financial Services: A Key for Poverty Alleviation? Lessons from Mexico

Biosca, Olga, Lenton, Pamela and Mosley, Paul (2011) Microfinance Non-Financial Services: A Key for Poverty Alleviation? Lessons from Mexico. Working Paper. Department of Economics, University of Sheffield ISSN 1749-8368


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Microfinance non-financial services have been recently reformulated as high quality demand-led programs. In the Mexican context, these are now voluntary, can have a cost for the borrower and are frequently supplied in partnership with specialized public or private agencies. Using primary data from a survey of clients of two credit-plus programs in Chiapas, this paper examines and compares the participation determinants and added impact of the training sessions on monetary poverty outcomes of the borrowers. We focus on two specific programs: Business Development Services and Preventive Health Services. Results suggest that the participation decision mainly depends on borrowers´ characteristics. Non-financial services are found to reduce the clients´ likelihood of being under the asset poverty line. No significant differences were observed between the impacts of the two non-financial programs.

Item Type: Monograph (Working Paper)
Copyright, Publisher and Additional Information: The Sheffield Economics Research Paper (SERP) series offers a forum for the research output of the academic staff and research students of the Department of Economics, University of Sheffield. Papers are reviewed for quality and presentation by a departmental editor. However, the contents and opinions expressed remain the responsibility of the authors. All papers may be downloaded free on the understanding that the contents are preliminary and therefore permission from the author(s) should be sought before they are referenced.
Keywords: Non-financial services, Credit-plus, Microfinance, Poverty, Oportunidades
Institution: The University of Sheffield
Academic Units: The University of Sheffield > Faculty of Social Sciences (Sheffield) > Department of Economics (Sheffield) > Sheffield Economics Research Papers Series
Depositing User: Symplectic Publications
Date Deposited: 02 Nov 2011 14:43
Last Modified: 06 Jun 2014 20:34
Published Version: http://www.shef.ac.uk/economics/research/serps/yea...
Status: Published
Publisher: Department of Economics, University of Sheffield
Identification Number: Sheffield Economic Research Paper Series 2011021
URI: http://eprints.whiterose.ac.uk/id/eprint/43368

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