貯蓄を基礎としたマイクロ・ファイナンス事業参加の決定要因と影響評価

―カンボジア農村の事例―

抄録

The number of households that borrow money from micro-finance institutions have been increasing. However, recent study finds that the average well-being of those households has declined due to loan default. To cope with such problems, setting up Savings-led microcredit association (SLMA) has been increasingly widespread intervention aimed at improving the above-mentioned situation. We examined the determinants of participation in SLMA and the impacts of it on household well-being in Cambodia, applying an endogenous treatment effect model for the data which we collected in rural Cambodia. We find evidence that the participation in SLMA has had a positive impact on household well-being such as education and health as well as household assets, and that time preferences has an effect on the decision of participation in SLMA.