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Pistes de réflexion du secteur Finance

Le secteur Finance de J-PAL cherche à comprendre comment l’accès à des services financiers peut contribuer à réduire la pauvreté et provoquer un développement économique en aidant les ménages à lisser leur consommation, à investir et à gérer les risques. Les Pistes de réflexion ci-après résument les enseignements généraux tirés de l’évaluation aléatoire de programmes visant à améliorer l’accès au capital grâce au microcrédit et à encourager le travail indépendant auprès des populations qui vivent dans l’extrême pauvreté par le biais d'une approche multiforme.

Dean Karlan (Northwestern University), Responsable du Secteur Finance 

shoe vendor

Microcredit: impacts and limitations

Last updated: April 2018
Evidence from randomized evaluations in low- and middle-income countries shows that giving small loans in the form of microcredit did not lead to transformative impacts on income or long-term consumption on average, but it did help households better manage financial choices. Demand for many of the microcredit products was modest. People often used funds for consumption rather than entrepreneurial investments, suggesting that there were high non-entrepreneurial returns to credit. Innovations... Read More
A small business owner in Colombia.

Reducing the cost of lending to low-income borrowers

Last updated: April 2018
Product and market innovations that generate more information about borrowers, reduce transaction costs, and encourage repayment all address factors that contribute to the high cost of microcredit in low- and middle-income countries. Read More

Sector Chairs

Headshot of Dean Karlan

Dean Karlan

Chair

Sector Contacts

Samantha Carter

Senior Policy Associate

[email protected]
(617) 324-7691

Mikaela Rabb

Policy Associate

[email protected]
(617) 258-6021