Identifying the Socio- Economic Characteristics of the Iranian Borrowing Households and the Impact of Micro-Credits on the Poverty Gap
The Impact of micro-credits on household’s poverty gap is considered as one of the most important social and economic issues. In this research, the socio- economic characteristics of the borrowing households are identified by using a Logit model, based on the urban and rural household budget survey...
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| Format: | Article |
| Language: | fas |
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Allameh Tabataba'i University Press
2015-01-01
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| Series: | فصلنامه پژوهشهای اقتصادی ایران |
| Subjects: | |
| Online Access: | https://ijer.atu.ac.ir/article_1694_94b7b3a5e66ebd97ea2cc70619244577.pdf |
| _version_ | 1797369398214787072 |
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| author | Hassan Dargahi Mohammadreza Mazloumpour |
| author_facet | Hassan Dargahi Mohammadreza Mazloumpour |
| author_sort | Hassan Dargahi |
| collection | DOAJ |
| description | The Impact of micro-credits on household’s poverty gap is considered as one of the most important social and economic issues. In this research, the socio- economic characteristics of the borrowing households are identified by using a Logit model, based on the urban and rural household budget survey data for 2011. Then, the impact of micro-credits on poverty gap of poor households is examined by estimating regression models. The result of the Probit analysis indicates that the coefficients of the age of household head, employment of the household head, household size, and urbanization are significantly positively related to households’ access to credit. However, the coefficient of household expenditure is negatively related to households’ access to credit. This implies that the low-income household is more likely to have not access to micro-credits. Also, the regression analysis shows that the access to micro-credits is not a significant explanatory variable for poverty gap of the poor households. This indicates the micro-credits has no impact on the poverty reduction of the poor households. |
| first_indexed | 2024-03-08T17:46:10Z |
| format | Article |
| id | doaj.art-9b9a942e0de44d3093d941358d2a095c |
| institution | Directory Open Access Journal |
| issn | 1726-0728 2476-6445 |
| language | fas |
| last_indexed | 2024-03-08T17:46:10Z |
| publishDate | 2015-01-01 |
| publisher | Allameh Tabataba'i University Press |
| record_format | Article |
| series | فصلنامه پژوهشهای اقتصادی ایران |
| spelling | doaj.art-9b9a942e0de44d3093d941358d2a095c2024-01-02T10:29:12ZfasAllameh Tabataba'i University Pressفصلنامه پژوهشهای اقتصادی ایران1726-07282476-64452015-01-01196131621694Identifying the Socio- Economic Characteristics of the Iranian Borrowing Households and the Impact of Micro-Credits on the Poverty GapHassan Dargahi0Mohammadreza Mazloumpour1Associate Prof. of Economics, Shahid Beheshti University,M. A. in Economics, Shahid Beheshti University,The Impact of micro-credits on household’s poverty gap is considered as one of the most important social and economic issues. In this research, the socio- economic characteristics of the borrowing households are identified by using a Logit model, based on the urban and rural household budget survey data for 2011. Then, the impact of micro-credits on poverty gap of poor households is examined by estimating regression models. The result of the Probit analysis indicates that the coefficients of the age of household head, employment of the household head, household size, and urbanization are significantly positively related to households’ access to credit. However, the coefficient of household expenditure is negatively related to households’ access to credit. This implies that the low-income household is more likely to have not access to micro-credits. Also, the regression analysis shows that the access to micro-credits is not a significant explanatory variable for poverty gap of the poor households. This indicates the micro-credits has no impact on the poverty reduction of the poor households.https://ijer.atu.ac.ir/article_1694_94b7b3a5e66ebd97ea2cc70619244577.pdfconsumer economicscredit constraintmicro-creditspoverty gapiran |
| spellingShingle | Hassan Dargahi Mohammadreza Mazloumpour Identifying the Socio- Economic Characteristics of the Iranian Borrowing Households and the Impact of Micro-Credits on the Poverty Gap فصلنامه پژوهشهای اقتصادی ایران consumer economics credit constraint micro-credits poverty gap iran |
| title | Identifying the Socio- Economic Characteristics of the Iranian Borrowing Households and the Impact of Micro-Credits on the Poverty Gap |
| title_full | Identifying the Socio- Economic Characteristics of the Iranian Borrowing Households and the Impact of Micro-Credits on the Poverty Gap |
| title_fullStr | Identifying the Socio- Economic Characteristics of the Iranian Borrowing Households and the Impact of Micro-Credits on the Poverty Gap |
| title_full_unstemmed | Identifying the Socio- Economic Characteristics of the Iranian Borrowing Households and the Impact of Micro-Credits on the Poverty Gap |
| title_short | Identifying the Socio- Economic Characteristics of the Iranian Borrowing Households and the Impact of Micro-Credits on the Poverty Gap |
| title_sort | identifying the socio economic characteristics of the iranian borrowing households and the impact of micro credits on the poverty gap |
| topic | consumer economics credit constraint micro-credits poverty gap iran |
| url | https://ijer.atu.ac.ir/article_1694_94b7b3a5e66ebd97ea2cc70619244577.pdf |
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