Effetto del Microcredito sul Consumo e sull'Educazione a Livello di Famiglia: Evidenza Empirica dalla Regione di Kagera

In the last years microcredit has arisen as one of the most powerful instrument for people in developing countries to escape from their poverty condition. Using cross-sectional data (2004) from Kagera region in Tanzania, we measure the availability of microcredit institutions at cluster level, and the take-up and relative size of microcredit loans at the household level. Then, we compute the effect of those variables on expenditure and education. Results seem to confirm up to a certain extent the general opinion of current literature: a medium-size positive impact of microcredit on total expenditure, a small effect on expenditure on education, no effect on children's school attendance.