Do Microcredit Loans Do What They Are Intended To Do? A Case Study of the Credit Village Microcredit Programme in China

© 2020 John Wiley & Sons, Ltd. The purpose of this study is to assess if the credit village is an effective way to develop a microcredit programme in China from the perspective of poverty reduction policy and risk monitoring. Cross-sectional household survey data from three credit villages in the Yunan County of China are analysed using 3SLS and IV probit models. The major finding is that the credit village loosens credit restrictions to some extent. However, it has no impact on educational expenditures, medical expenditures, long-term assets, short-term assets and women\u27s rights. It is our observation that the microcredit programme in China needs more innovation to become effective. © 2020 John Wiley & Sons, Ltd

The impact of adoption of conservation agriculture on smallholder farmers’ food security in semi-arid zones of southern Africa

BACKGROUND In southern Africa, conservation agriculture (CA) has received a lot of research and promotional support from various organizations in the past decades. Conservation agriculture is largely promoted as one of the few win–win technologies affordable to farmers, in the sense that potentially it improves farmers’ yields (in the long term) at the same time conserving the environment. This is because conservation agriculture reduces nitrogen loss in the soil, promotes water and soil conservation and improves agronomic use efficiency of applied nutrients. However, some concerns have been raised over the feasibility of conservation agriculture on smallholder farms given constraints imposed by the biophysical and institutional realities under which smallholder farmers operate. The main aim of this study is to answer the question whether conservation agriculture is resulting in tangible livelihood outcomes to smallholder farmers. The counterfactual outcome approach was used to estimate ex post impact of conservation agriculture adoption on one of the key livelihood outcomes—food security. RESULTS The study that utilized a data set covering 1623 households in Zimbabwe, Malawi and Mozambique found no significant impact of conservation agriculture adoption on Food Consumption Score of farmers in Zimbabwe and Malawi. Possible reasons for the insignificant of CA impact on food security in Zimbabwe and Malawi could include the small land areas currently devoted to CA, and the failure to implement the full complement of practices necessary to set off the biophysical process that are expected to drive yield increases. In Mozambique, conservation agriculture significantly improved the Food Consumption Score for farmers exposed to the technology. A possible reason for effectiveness of CA in Mozambique could be due to the fact that often CA is being promoted together with other better cropping management practices such as timely weeding and improved seed varieties, which are poorly practiced by the generality of farmers in a country just emerging from a war period. CONCLUSION This paper provides one of the few ex post assessments of the impact of conservation agriculture adoption on household livelihood outcomes—food security. Given the mixed findings, the study suggests that conservation agriculture farmers in the three countries need to be supported to adopt a value chain approach to conservation agriculture. This entails the introduction of commercial or high-value crops in the conservation agriculture programmes, value addition on farmers produce, access to the necessary support services such as markets for seed, fertilizer, herbicides and equipment as well as reliable extension. We believe that under such circumstances conservation agriculture can effectively reduce food insecurity and poverty in the medium to long term

Uptake of Multiple Microinsurance Schemes: Evidence from Sri Lanka

Since it is common among households to use more than one form of microinsurance, this paper estimates the uptake of different kinds of microinsurance by the same population. We use a multivariate probit model which examines the participation in the different forms of insurance simultaneously. By doing this, we can establish whether participation patterns in different types of microinsurance options indicate if the participation in specific insurance schemes is complementary or a substitute. We establish that membership of a microfinance institution means that households are more likely to have purchased an insurance policy. Furthermore, the study describes a need for more inclusive and composite packages of microinsurance products for greater financial inclusion of the poor

Financing micro-entrepreneurs for poverty alleviation: a performance analysis of microfinance services offered by BRAC, ASA, and Proshika from Bangladesh

Microfinance services have emerged as an effective tool for financing microentrepreneurs to alleviate poverty. Since the 1970s, development theorists have considered non-governmental microfinance institutions (MFIs) as the leading practitioners of sustainable development through financing micro-entrepreneurial activities. This study evaluates the impact of micro-finance services provided by MFIs on poverty alleviation. In this vein, we examine whether microfinance services contribute to poverty alleviation, and also identify bottlenecks in micro-finance programs and operations. The results indicate that the micro-loans have a statistically significant positive impact on the poverty alleviation index and consequently improve the living standard of borrowers by increasing their level of income

Measuring What Works: An Impact Evaluation of Women's Groups on Maternal Health Uptake in Rural Nepal.

BACKGROUND: There is a need for studies evaluating maternal health interventions in low-income countries. This paper evaluates one such intervention designed to promote maternal health among rural women in Nepal. METHODS AND RESULTS: This was a five-year controlled, non-randomised, repeated cross-sectional study (2007, 2010, 2012) of a participatory community-based maternal health promotion intervention focusing on women's groups to improve maternal health services uptake. In total 1,236 women of childbearing age, who had their last child ≤ two years ago, were interviewed. Difference-in-Difference estimation assessed the effects of the intervention on selected outcome variables while controlling for a constructed wealth index and women's characteristics. In the first three years (from 2007 to the 2010), the intervention increased women's likelihood of attending for antenatal care at least once during pregnancy by seven times [OR = 7.0, 95%CI (2.3; 21.4)], of taking iron and folic acid by three times [OR = 3.0, 95%CI (1.2; 7.8)], and of seeking four or more antenatal care visits of two times, although not significantly [OR = 2.2, 95%CI (1.0; 4.7)]. Over five years, women were more likely to seek antenatal care at least once [OR = 3.0, 95%CI (1.5; 5.2)], to take iron/folic acid [OR = 1.9, [95% CI (1.1; 3.2)], and to attend postnatal care [OR = 1.5, [95% CI (1.1; 2.2)]. No improvement was found on attending antenatal care in the first trimester, birthing at an institution or with a skilled birth attendant. CONCLUSION: Community-based health promotion has a much stronger effect on the uptake of antenatal care and less on delivery care. Other factors not easily resolved through health promotion interventions may influence these outcomes, such as costs or geographical constraints. The evaluation has implications for policy and practice in public health, especially maternal health promotion

conditions for re deployment and energy development

Irrespective of technical abundancy, RE potential per se does not imply a structural and inclusive expansion of energy access and an overall sustainable energy development of EA. Proper technological, economic, institutional, and policy considerations must be made to assess which are the best ways and most apt policies to sustain the exploitation of such potential in the regional context in relation to other energy sources, as well as which roadblocks and challenges are faced. A first meaningful consideration in this sense is that EA is characterised by a strong rural-urban imbalance: the majority of the population lives in poorly interconnected rural communities away from the electricity grid, which serves predominantly densely populated urban centres. While plans to tackle the imbalance are in place in virtually every country (both Kenya and South Africa have achieved notable results in this sense), the issue is not going to be structurally overcome rapidly. Thus, as highlighted by the least-cost electrification scenarios in Chap. 4, when discussing the case for renewables to increase and improve access, a distinction must be made between national grid expansion to reach additional shares of the population, and specific decentralised solutions