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Measuring the impact of EU microfinance – Lessons from the field

Measuring the impact of EU microfinance – Lessons from the field. Karl Dayson and Pål Vik Community Finance Solutions University of Salford. June 24, 2010. International microfinance impact studies. Largest body peer-reviewed literature on microfinance

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Measuring the impact of EU microfinance – Lessons from the field

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  1. Measuring the impact of EU microfinance – Lessons from the field Karl Dayson and Pål Vik Community Finance Solutions University of Salford June 24, 2010

  2. International microfinance impact studies • Largest body peer-reviewed literature on microfinance • Despite considerable disagreement, convergence around 3 principles • Large-scale • Longitudinal • Experimental or quasi-experimental

  3. UK microfinance impact assessment • Conducted a microfinance impact assessment of four UK MFIs • Large-scale, longitudinal and quasi-experimental • Focused on personal and business lending • Personal loan clients: two-wave survey, control group and control location • Business loan clients: one-off survey and in-depth case studies

  4. Generating large sample • Allow for complex analysis and inference • Problematic getting sufficiently large samples • Small microfinance client base (population) • Small MFIs & sampling frames • Low response rates

  5. Achieving scale in EU15

  6. Achieving longitudinal surveys • High attrition rates • Inability to establish rapport • Inability to establish contact • Refusal to participate

  7. Isolating the impact of microfinance • Quasi-experimental or experimental • For personal loan clients had unique (in the UK) control location • For business loan clients in EU15 many challenges conventional control groups • Using non-clients: Low self-employment rates • Using pipeline-clients: Small client base • Randomised studies: impractical and unethical

  8. Towards an EU paradigm? • International consensus a poor fit? • Small-scale, “noise” in form of govt interventions • Implications for MF impact assessments in EU15 • Cross-country studies to achieve scale • Qualitative methods • No perfect fit • Question of audience

  9. Thank you! • Findings of study to be presented at drinks reception tomorrow eve 6:15-7:30 at CDFA conference • Full report available at www.communityfinance.salford.ac.uk

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