Kumar, Senthil and Aslam, Mohammad and Nawanir, Gusman and Moshood, Taofeeq Durojaye (2023) Impact evaluation of microfinance: A HEPM perspective. In: E3S Web of Conferences; 2023 Ural Environmental Science Forum on Sustainable Development of Industrial Region, UESF 2023 , 25-28 April 2023 , Chelyabinsk. pp. 1-17., 389 (09035). ISSN 2555-0403
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Abstract
Microfinance services were primarily conceived for poverty alleviation and millions of borrowers have benefited across various countries. This study measures microfinance impact on borrowers from the following dimensions viz. enterprise, household, individual and security. The impact was measured by comparing the borrowers' poverty level before and after microfinance (within impact), and then with and without microfinance (between impact) using Household Economic Portfolio Model (HEPM). In general, it was observed that microfinance has had a favorable impact on borrowers. The income level of borrowers has increased after they availed the loan indicating that participant borrowers' financial position is better than that of the non-participant borrowers. The results confirm that both industry survival and growth are achievable thereby advocating that microfinance is a sustainable development tool in the current scenario. Hence, policymakers should continue framing strategies that are in favour of extending microfinance to micro-enterprises that are deprived of mainstream finance.
| Item Type: | Conference or Workshop Item (Paper) |
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| Additional Information: | Indexed by Scopus |
| Uncontrolled Keywords: | Grameen bank; HEPM model; Impact analysis; Microfinance; Poverty |
| Subjects: | H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management T Technology > T Technology (General) |
| Faculty/Division: | Faculty of Industrial Management |
| Depositing User: | Mr Muhamad Firdaus Janih@Jaini |
| Date Deposited: | 12 Sep 2023 01:26 |
| Last Modified: | 12 Sep 2023 01:26 |
| URI: | http://umpir.ump.edu.my/id/eprint/38593 |
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