%0 Report
        %A Kahn, Azhar
%A Rahman, Twyeafur
%A Wright, Robert E.
        %T The Impact of Micro-Credit on Employment: Evidence from Bangladesh and Pakistan
        %D 2016
        %8 2016 Jul
        %I Institute of Labor Economics (IZA)
        %C Bonn
        %7 IZA Discussion Paper
        %N 10046
        %U https://www.iza.org/publications/dp10046
        %X This paper examines the impact of micro-credit on employment. Household-level data was collected, following a quasi-experimental design, in Bangladesh and Pakistan. Three borrower groups are compared: Current borrowers; Pipeline borrowers and Non-borrowers. Pipeline borrowers are included to control for self-selection effects. It is argued that micro-credit causes a substitution of employment away from employment-for-pay to self-employment. Therefore, the effect on total employment is ambiguous. OLS and fixed effects regression are used to examine separately self-employment and employment-for-pay between three groups of borrowers. For Pakistan, there is no evidence that micro-credit effects employment. However, for Bangladesh, there is robust evidence consistent with this hypothesis.
        %K micro-credit
%K poverty
%K self-employment