The Impact of Microfinance on its Beneficiaries: Impact Assessment on Bancamia in Armenia, Colombia

Olano, Jesús

4. term

Development and International Relations, Master

2012

2012-06-01

86

Denne afhandling undersøger, hvordan man kan vurdere effekten af mikrofinans – små lån og andre finansielle tjenester til mennesker med lave indkomster. Den gennemgår almindelige tilgange til at måle ændringer i kunders levevilkår og økonomiske muligheder og drøfter praktiske udfordringer, fx hvordan man adskiller mikrofinansens indvirkning fra andre forhold. Som casestudie ser afhandlingen på Bancamía, en mikrofinansinstitution i byen Armenia i Colombia, for at vise, hvordan en vurderingsramme kan anvendes i en specifik lokal sammenhæng. Målet er at gøre effektvurdering mere anvendelig for praktikere og beslutningstagere ved at tydeliggøre, hvad man kan måle, og hvordan resultater kan bruges til at forbedre ydelserne.

This thesis examines how to assess the impact of microfinance—small loans and other financial services for low-income clients. It reviews common approaches to measure changes in clients’ livelihoods and economic opportunities and discusses practical challenges, such as isolating the effects of microfinance from other factors. As a case study, it looks at Bancamía, a microfinance institution in the city of Armenia, Colombia, to illustrate how an assessment framework can be applied in a specific local context. The aim is to make impact assessment more useful for practitioners and policymakers by clarifying what can be measured and how findings can inform service improvements.

[This abstract was generated with the help of AI]

microfinance ; microcredit ; Colombia ; Armenia ; MFI ; Impact Assessment ; Bancamia

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