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Paper Information

Journal:   JOURNAL OF FINANCIAL ECONOMICS (FINANCIAL ECONOMICS AND DEVELOPMENT)   winter 2019 , Volume 12 , Number 45 ; Page(s) 127 To 146.

Analysis of the Effects of Microcredit Policies on Distributive Indexes of Income in the States of the Country

Author(s):  SEIFIPOUR ROYA*, AMINRASHTI NARSIS, Navabizand Kamran
* Central Tehran Azad University, Tehran,Iran
Today, in most countries, micro-credit is a good way to create new employment opportunities, tackle poverty, and enabling people in low-income countries. This research studies the effects of microcredit policies on income distribution for two groups of high-income per capita households (12 provinces) and provinces with low per capita income (18 provinces) during the period from 1387 to 1392 by panel data model. The results of the model show that in provinces with low per capita income, increase in the growth rate of microfinance grants, GDP growth rate, economic participation rate, household income per capita growth rate, and growth rate of expenditures, improve the distribution of income. But rising inflation will increase inequality. In the model of high per capita households, increasing economic participation rates, the growth rate of cost credits, the growth rate of microfinance have led to an increase in income distribution disparities and household income per capita growth rate and GDP per capita growth rate improves distribution. Adopting micro-credit policies in high-income provinces will worsen distribution of income, and in lower-income provinces, income distribution will be improved.
Keyword(s): Micro-credit policy,Income Distribution,Credit,rate of Economic Co-oprtation
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