Seminário NOVAFRICA: “Hiding loans using mobile money: Experimental evidence on microenterprise investment in Uganda”

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.

Autor:
Emma Riley, University of Oxford

Resumo:

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.

Para saber mais informações sobre este seminário clique aqui.