Na quarta-feira, 13 de fevereiro, pelas 14h30, o Centro NOVAFRICA recebe Emma Riley, da Universidade de Oxford, para apresentar o seu trabalho Sobre a ocultação de empréstimos através do uso de dinheiro móvel para investimento em microempresas no Uganda.
Emma Riley, University of Oxford
I examine whether changing the way microfinance loans are disbursed to utilise widespread mobile money services impacts the businesses of female microfinance borrowers. Using a field experiment of 3,000 borrowers of BRAC Uganda, I compare disbursement of a loan as cash to disbursement of a loan onto a mobile money account. After 9 months, women who received their microfinance loan on the mobile money account had 15% higher business profits and 11% higher levels of business capital. Impacts were greatest for women who experienced pressure to share money with others in the household at baseline, suggesting that providing the loan in a private account gives women more control over how the loan is used.
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