The Impact of Micro Finance on Household Welfare: Case Study of a Savings Group in Lao PDR

8/14/2019 The Impact of Micro Finance on Household Welfare: Case Study of a Savings Group in Lao PDR

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44/138

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45/138

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8=

if flbdbhe xuhc dx qrdbxferx ir lf ndè ciuxecià nenoerx ioqdlb fubax fir fendè

ciuxecià nenoerx"

D wrlndr| fihux if qclx wdwer lx qi exqlndqe qce lnwdhq if hrealq wrimrdnx ib

vdrliux ciuxecià iuqhinex xuhc dx ciuxecià hibxunwqlib ciuxecià lbhine dba

ciuxecià dxxeq" Qce duqcir wriwixex qi exqlndqe qce hibalqlibd` aendba etudqlib fir

edhc iuqhine qi oe lbvexqlmdqea hibalqlibea ib qce ciuxeciàx wrimrdn wdrqlhlwdqlib dx

nedxurea o| qce tudbqlq| if hrealq oirri}ea" Dx biqea edr`ler qce neqciaiìm| daiwqea

lx qcdq aeveìwea o| Wlqq dba Jcdbajer #4


48/138

83

}cere

k ; db ubioxervea vl``dme.xwehlflh effehq

lk ; db ubioxervea ciuxecià.xwehlflh effehq

hlke ; d bib.x|xqendqlh errir ubhirre`dqea }lqc qce iqcer errir hinwibebqx ir qce remrexxirx"

Qce hibalqlibd` aendba fir ciuxecià iuqhine \ lk hibalqlibd` ib qce ève` if wrimrdn

wdrqlhlwdqlibH lk lx

|

lklk | k |lklkH V S \

***> #3,

}cere | | dba dre ubjbi}b wdrdneqerx dba |lk lx hinwrlxea if

|lk

|lklk

| k k

|lk e****> ,#,# #


49/138

8 7"7774, lb

hdxe if qce flsea effehqx exqlndqlib niae`" Qce bunoer if re`dqlvex rewrexebqx vl``dme

re`dqlibxclwx qcdq }iuà ce`w edhc iqcer }ceb fdhlbm xerliux xlqudqlibx lbhùalbm xe`f.

enwì|nebq dhqlvlqlex ir qi xcdre cdwwlbexx dnibm qcen"

Cdvlbm d hclef if d xdvlbmx mriuw hinnlqqee ir nenoer if qce mriuw hinnlqqee

lb ciuxecià cdx d `drme dba xqdqlxqlhd``| xlmblflhdbq lnwdhq ib ciuxecià ciuxe dxxeq

vdùe dq qce 4 wer hebq ève` fir qce fiur exqlndqlib niae`x" Lq lx xqdqlxqlhd``| xlmblflhdbq

#4? =78 =3=: w > 7"77?6, lb hdxe if qce flsea effehq exqlndqlib niae` fir esdnwè"

Xlnl`dr`| Hièndb #4


69/138

5 7"7373, fir qce flsea effehqx exqlndqlib niae` dba #?36 387"3: w >

7"731=, fir qce bibflsea effehqx exqlndqlib niae`" Qclx lnw`lex qcdq ubioxervdoè

alfferebhex oeq}eeb nenoer dba bibnenoerx cdve `drme hibxetuebhex" Lb iqcer }ira

oelbm nenoer if xdvlbmx mriuw hdb lbhredxe qce |edr`| lbhine if ciuxecià dmrlhu`qurd`

wriauhqlib" Lb hibqrdxq lb qce xqua| o| Hièndb #4


73/138

68

Qce xl{e if qce ciuxecià dba qce bunoer if nibqcx ailbm ouxlbexx cdx d wixlqlve

dba xlmblflhdbq re`dqlibxclw qi qce |edr`| lbhine if ciuxecià dmrlhu`qurd` wriauhqlib dx

hdb oe xeeb frin qce rexu`qx if d`` fiur exqlndqlib niae`x" Qcelr hiefflhlebqx dre

xqdqlxqlhd``| xlmblflhdbq dq qce 4 wer hebq ève` dx xci}b lb Qdoè = #Dwwebals D,"

Qce bunoer if meberdqlibx qcdq qce fdnl`| cdx oeeb lb qce vl``dme cdx d wixlqlve

lnwdhq ib qce |edr`| lbhine if ciuxecià dmrlhu`qurd` wriauhqlib" Lqx hiefflhlebq lx

xlmblflhdbq dq qce 5 wer hebq ève`" Lq nedbx qcdq nire bunoer if meberdqlibx fdnl`| lb

vl``dme hdb ce`w dmrlhu`qure }irj qi wuxc nire wriauhqx dba qceb ciuxecià lbhine nd|

lbhredxe"

Lq lx biq xurwrlxlbm qcdq qce vdùe if ciuxecià i}bea `dba 5 |edrx dmi ir lblqld`

}ed`qc cdx wixlqlve effehq ib qce |edr`| lbhine if ciuxecià dmrlhu`qurd` wriauhqlib

oehduxe `dba lx exxebqld` hdwlqd` fir dmrlhu`qurd` w`dbqdqlib"

Fihux ib qce vdrldoè if vl``dme hcdrdhqerlxqlh qce alxqdbhe frin qce vl``dme qi

ndlb ndrjeq cdx d bemdqlve effehq ib qce dbbud` lbhine if ciuxecià dmrlhu`qurd`

wriauhqlib" Qclx lx qrue lb red`lq| oehduxe lf miiax exwehld``| dmrlhu`qurd` wriauhqx dre

ìhdqea fdr d}d| frin qce ndrjeq #hlq| ndrjeq, qcelr wrlhe dre ì}er qcdb qce ibex xià lb

qce ndlb ndrjeq"

6"?"8 Lnwdhqx ib ciuxecià nibqc`| rebqd` eswebalqure

Qdoè 3 #Dwwebals D, xci} qce remrexxlib rexu`qx if qce etudqlib #44, ib

ciuxecià nibqc`| rebqd` eswebalqure hirrexwibalbm qi qce flsea effehqx bibflsea effehqx

bdve dba xuwer.bdve niae`x" D`` fiur niae`x lbalhdqe qce wixlqlve hirre`dqlib oeq}eeb

qce nibqc if xdvlbmx mriuw nenoerxclw dba qce ciuxecià nibqc`| rebqd` eswebalqure"


74/138


75/138

65

effehqx niae` fir esdnwè" Ibe hdb xd| qcdq qce weiwè kilblbm xdvlbmx mriuw hdb

xuwwirq fir qcelr hclàrebx xhcii`lbm" Ci}ever qclx rexu`q hiuà biq oe fiuba lb qce

xqua| o| Hièndb #4


76/138

66

ebaimebelq|" Qclra qclx xqua| ala biq qdje lbqi dhhiubq qce xwl`ìver effehqx qi

bibnenoerx lb qce xls vl``dmex" Fiurqc qce vdùex if adqd ib ciuxecià dxxeqx lbhinex

dba eswebalqurex dre binlbd`" Flfqc qce uxe if hrixx.xehqlib adqd qi evdùdqe qce lnwdhq

if qce xdvlbmx mriuw nd| xci} ib`| qce xcirq qern effehq dba nd| biq wrealhq qce ìbm

qern lnwdhq if xdvlbmx mriuw }clhc nd| oe wixxloè qi dxherqdlb o| uxlbm wdbe` adqd"

Qclx lx d xummexqea dred fir furqcer rexedrhc"


77/138

6=

HCDWQE_ =

HIBH@UXLIB

Nlhriflbdbhe dffehqx ciuxecià }e`fdre ir iuqhine qcriumc d bunoer if hcdbbe`x"

_exedrhc xqualex cdve xci}ea qcdq nlhriflbdbhe cdx xlmblflhdbq lnwdhq ib dxxeqx lbhine

eswebalqure eauhdqlibd` xqdqux ced`qc dx }e`` dx mebaer enwi}ernebq" Lb qclx wdwer qceeffehqx ib ciuxecià iuqhinex o| qce wdrqlhlwdqlib lb qce xdvlbmx mriuw lb d xenl.urodb

dred if @dix }ere exqlndqea o| dww`lhdqlib if qce xurve| aexlmb dba rexedrhc

neqciaiìm| if Hièndb #4


78/138

63

eswebxex o| dww`|lbm fiur enwlrlhd` xwehlflhdqlibx" Qce enwlrlhd` rexu`qx l`ùxqrdqe qcdq

qce wdrqlhlwdqlib lb qce xdvlbmx mriuwx cdx `drme wixlqlve dba xlmblflhdbq effehqx ib d`` if

qcexe iuqhinex eshewq ciuxecià dmrlhu`qure wriauhqlib lbhine" Qclx nd| oe esw`dlbea

o| qce fùhqudqlib if xedxibd` dmrlhu`qurd` wrlhex dba ubaer rewirqlbm if qce red` vdùe if

ciuxecià dmrlhu`qurd` lbhine" Qclx lx oehduxe adqd hi`èhqea werqdlb ib`| qi lbhine

frin dmrlhu`qure wriauhqx }clhc }ere xià lb qce ndrjeqx biq qcixe uxea fir xe`f.

hibxunwqlib"

Qce rexu`qx if qclx xqua| alffer frin qcixe if Hièndb #4


79/138

64, 7"7< 7"77 4"77 7"77Mebaer if rexwibaebqx #ebqrewrebeur,#fend`e>4,

7"


97/138

Dwwebals D

3=

Qdoè ?; Aexhrlwqlve xqdqlxqlhx fir vdrldoèx o| qredqnebq mriuw #hibqlbuea,

Vdrldoè aexhrlwqlibx Nedb Nealdb Ndslnun Nlblnun Xq Aewebaebq vdrldoèx #lb Jlw ubèxx xqdqea iqcer}lxe,;Aiex vl``dme cdve wdvea rida ir bedr ndlbrida #Jn 48 rida,9 #7)4,

7"83 7"77 4"77

Vl``dme cdx lrrlmdqlib #7)4, 7"?6 7"77 4"77 Aiex vl``dme cdve xhcii` ubql` xehibadr|ève`9 #7)4,

7"4? 7"77 4"77 7

Aiex vl``dme cdve wrlndr| xhcii` uw qimrdae59 #7)4,

7"=1 4"77 4"77

Alxqdbhe frin vl``dme qi ndlb ndrjeqx ??"=5 ?7"77 88"77 45"7Wrlhe if ibe hdqqè 4 5=8 661 4 577 777 ? 777 777 4Wrlhe if ibe ouffdì 8 ?=7


98/138

Dwwebals D

33

Qdoè 8; Aexhrlwqlve xqdqlxqlhx fir vdrldoèx o| hibqri` mriuw

Vdrldoè aexhrlwqlibx Nedb Nealdb Ndslnun Nlblnun Xqa"

Aewebaebq vdrldoèx #lb Jlw ubèxx xqdqea iqcer}lxe,;Ciuxecià nibqc`| fiia eswebalqure 185 753 877 777 4 617 777 ?7 777 Ciuxeciàx nibqc`| rebqd` eswebalqure 8< 8


99/138

Dwwebals D

3?"353841 F.xqdqlxqlh>8"711=8? Wrio#F.xqdqlxqlh,>7"77741<

Wrio#F.xqdqlxqlh,> 7"77741< Wrio#F.xqdqlxqlh,> 7"777

_.xtudrea>7"434548 _.xtudrea>7"434548 _.xtudrea>7"434=63

Biqe ; qce xuwerxhrlwqx+++ ++ dba + aebiqe rekehqlib dq 4 wer hebq 5 wer hebq dba 47 wer hebq hrlqlhd` vd`uex"

Xiurhe ; Duqcirx xurve| adqd Xewqenoer ?775 dba Ndrhc ?776"


110/138

Dwwebals D

477

Qdoè 6; Lnwdhq if xdvlbmx mriuw ib |edr`| xe`f.enwì|nebq lbhine frin `lvexqihj . M@X"

Lbaewebaebqvdrldoè

Flsea Effehqx niae` Bibflsea effehqx niae` Bdve niae`

Hiefflhlebq Xqa"Errir



Nibqcx dx VXMnenoer

4<


111/138

Dwwebals D

474

Qdoè 6; Lnwdhq if xdvlbmx mriuw ib |edr`| xe`f.enwì|nebq lbhine frin `lvexqihj M@X #hibqlbuea,

Lbaewebaebqvdrldoè





Dre |iu nenoer ir ceda if qce mriuwhinnlqqee9 #7)4,

4 8=3 511+++ 138


112/138

Dwwebals D

47?

Qdoè 6; Lnwdhq if xdvlbmx mriuw ib |edr`| xe`f.enwì|nebq lbhine frin `lvexqihj M@X #hibqlbuea,

Lbaewebaebqvdrldoè





Adl`| }dme fir hibxqruhqlib

38 6< 8< 56

F.xqdqlxqlh> ?"??"??"?34=5= Wrio#F.xqdqlxqlh,>7"77?5==

Wrio#F.xqdqlxqlh,>7"77?5==

Wrio#F.xqdqlxqlh,>7"77885?

_.xtudrea>7"454??3 _.xtudrea>7"454??3 _.xtudrea>7"41?=?7




113/138

Dwwebals D

478

Qdoè =; Lnwdhq if xdvlbmx mriuw ib ciuxecià |edr`| xe`f.enwì|nebq lbhine frin dmrlhu`qure . M@X"

Lbaewebaebqvdrldoè





Nibqcx dx VXMnenoer

.?3 ?76"5=+++ < ?36"5= .?3 ?76"5=+++ < 175"3< .4< 587"41+++ = 57

Aiex ciuxecià cdved VXM nenoer9#7)4,

?36 387"3+ 468 53?"1 ?36 387"3+ 465 631"?

Xes if ciuxeciàceda #fendè>4,

.514


114/138

Dwwebals D

471

Qdoè =; Lnwdhq if xdvlbmx mriuw ib ciuxecià |edr`| xe`f.enwì|nebq lbhine frin dmrlhu`qure M@X #hibqlbuea,

Lbaewebaebqvdrldoè






586 4=8"3 568 3=4 586 4=8"3 5=4 445"< 576 3


115/138

Dwwebals D

475

Qdoè =; Lnwdhq if xdvlbmx mriuw ib ciuxecià |edr`| xe`f.enwì|nebq lbhine frin dmrlhu`qure M@X #hibqlbuea,

Lbaewebaebqvdrldoè






68="56 =


116/138

Dwwebals D

476

Qdoè 3; Lnwdhq if xdvlbmx mriuw ib ciuxecià nibqc`| rebqd` eswebalqure . M@X"

Lbaewebaebqvdrldoè


Hiefflhlebq Xqa" Errir Hiefflhlebq Xqa"Errir

Hiefflhlebq Xqa" Er

Nibqcx dx VXMnenoer

483"4,

541 4 786 548"


117/138

Dwwebals D

47=

Qdoè 3; Lnwdhq if xdvlbmx mriuw ib ciuxecià nibqc`| rebqd` eswebalqure M@X #hibqlbuea,

Lbaewebaebqvdrldoè



Hiefflhlebq Xqa" Er


.?


118/138

Dwwebals D

473

Qdoè 3; Lnwdhq if xdvlbmx mriuw ib ciuxecià nibqc`| rebqd` eswebalqure M@X #hibqlbuea,

Lbaewebaebqvdrldoè



Hiefflhlebq Xqa" Er


3"=41 4?"38= 3"=87 4?" ?"354485 F.xqdqlxqlh>?"354485 F.xqdqlxqlh>8"77"777767

_.xtudrea>7"43448< _.xtudrea>7"43448< _.xtudrea>7"43115?




119/138

Dwwebals D

47 4"385 7"7156?? Wrio#F.xqdqlxqlh,>

7"7156?? Wrio#F.xqdqlxqlh,>7"7?13?4

_.xtudrea>7"441=81 _.xtudrea>7"441=81 _.xtudrea>7"4434??54,;

Bunoer if oirri}erx 7"76 7"74 7"71 7"7? 7"4?d,

@idb dniubq #Jlw, 17 785 183 14 388 8< 5?,;

Bunoer if oirri}erx 7"4? . 7"71 7"7? 7"4=@idb dniubq #Jlw, 4


138/138

Dwwebals O

Qdo`e 6; Aewixlq od`dbhe dq alfferebq lbxqlquqlibx dx Xewqenoer ?775

Nedb o| mriuw; Aewixlq od`dbhe dq alfferebq lbxqlquqlibx;

DWOIqcerNFLx Nibe| riqdqlbm Qiqd`

Lbqerexq rdqe wer |edr #%,; 3 . ?1 7 . 8 D`` xdnw`e #b>?54,;

Bunoer if aewixlqirx 7"71 7"71 7"7? 7"7438,;

Bunoer if aewixlqirx 7"75 7"75 7"7? 7"4?Aewixlq od`dbhe #Jlw, 87 541 4= 436 ? 8== 57 7==

Qredqnebq mriuw #b>484,; Bunoer if aewixlqirx 7"75 7"76 7"7? 7"41Aewixlq od`dbhe #Jlw, 17 317 ?? 681 8 8?4 66 =5?,; Bunoer if aewixlqirx 7"71 7"71 7"73Aewixlq od`dbhe #Jlw, 1 577 8 16? = 63,; Bunoer if aewixlqirx 7"74 7"74 7"74Aewixlq od`dbhe #Jlw, 86 =65 ?57 8= 745

Biqe ; d, Ibe werxib aewixlqea }lqc oiqc DWO dba Nibe| riqdqlbm

Xiurhe ; Duqcirx xurve| adqd Xewqenoer ?775"

The Impact of Micro Finance on Household Welfare: Case Study of a Savings Group in Lao PDR

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