Microfinance and Enterprise Growth: Evidence from Pakistan

Globally, microfinance has grown significantly over the past two decades in terms of outreach, financial products and services and sustainability. This growth has attracted the attention of policymakers and development organizations alike, who are keen to understand the potential microfinance has in delivering development outcomes of interest. A number of studies have been commissioned around the world, including Pakistan, to investigate the impact of microfinance (mostly credit and to some extent, savings) on household welfare, women’s empowerment and even children’s education, health expenditure, asset ownership, etc. However, there is relatively less research on understanding the dynamics of the business that the borrower runs i.e. the microenterprise itself. This study aims to contribute to literature that focuses on the financial health and profile of a micro-enterprise, with a focus on understanding the employment profile and growth trajectory of the business.

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