Does microcredit work better when it is demand-driven?


Microcredit programmes typically use time sensitive disbursement mechanisms. Loans are distributed periodically (monthly, six-monthly or annually) to individuals who are part of a join-liability group. Some microfinance institutions use a demand-driven mechanism where clients request loans for specific purposes. We don’t yet know which credit disbursement mechanism works better as a tool for improving incomes and alleviating poverty. A collaborative programme between the Government of Telangana (GoT) and the University of Liverpool (UoL) seek to answer this question. Using a cluster randomised design, villages will either receive loans periodically or in a demand-driven way. Supervised by Dr S Garikipati, the successful student will use cutting-edge impact evaluation theory and methods to support design, implementation and analysis of a large scale development project.

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