Measuring the impact of EU microfinance – Lessons from the field
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Measuring the impact of EU microfinance – Lessons from the field. Karl Dayson and Pål Vik Community Finance Solutions University of Salford. June 24, 2010. International microfinance impact studies. Largest body peer-reviewed literature on microfinance

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Measuring the impact of eu microfinance lessons from the field

Measuring the impact of EU microfinance – Lessons from the field

Karl Dayson and Pål Vik

Community Finance Solutions

University of Salford

June 24, 2010


Measuring the impact of eu microfinance lessons from the field

International microfinance impact studies

  • Largest body peer-reviewed literature on microfinance

  • Despite considerable disagreement, convergence around 3 principles

  • Large-scale

  • Longitudinal

  • Experimental or quasi-experimental


Measuring the impact of eu microfinance lessons from the field

UK microfinance impact assessment

  • Conducted a microfinance impact assessment of four UK MFIs

  • Large-scale, longitudinal and quasi-experimental

  • Focused on personal and business lending

  • Personal loan clients: two-wave survey, control group and control location

  • Business loan clients: one-off survey and in-depth case studies


Measuring the impact of eu microfinance lessons from the field

Generating large sample

  • Allow for complex analysis and inference

  • Problematic getting sufficiently large samples

    • Small microfinance client base (population)

    • Small MFIs & sampling frames

    • Low response rates


Measuring the impact of eu microfinance lessons from the field

Achieving scale in EU15


Measuring the impact of eu microfinance lessons from the field

Achieving longitudinal surveys

  • High attrition rates

    • Inability to establish rapport

    • Inability to establish contact

    • Refusal to participate


Measuring the impact of eu microfinance lessons from the field

Isolating the impact of microfinance

  • Quasi-experimental or experimental

  • For personal loan clients had unique (in the UK) control location

  • For business loan clients in EU15 many challenges conventional control groups

    • Using non-clients: Low self-employment rates

    • Using pipeline-clients: Small client base

    • Randomised studies: impractical and unethical


Measuring the impact of eu microfinance lessons from the field

Towards an EU paradigm?

  • International consensus a poor fit?

    • Small-scale, “noise” in form of govt interventions

  • Implications for MF impact assessments in EU15

    • Cross-country studies to achieve scale

    • Qualitative methods

    • No perfect fit

    • Question of audience


Measuring the impact of eu microfinance lessons from the field

Thank you!

  • Findings of study to be presented at drinks reception tomorrow eve 6:15-7:30 at CDFA conference

  • Full report available at www.communityfinance.salford.ac.uk


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