文章基本信息

标题：Health Shocks and Consumption Smoothing in Rural Households: Does Microcredit have a Role to Play?
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作者：Asadul Islam,Pushkar,Maitra
期刊名称：Discussion Paper Series / Department of Economics, Monash University
出版年度：2008
卷号：1
出版社：Monash University
摘要：This paper estimates, using a large panel data set from rural Bangladesh, the e ects of health shocks on household consumption and how access to microcredit a ects households' response to such shocks. Our results suggest that even though in general consumption remains stable in many cases when households are exposed to health shocks, households that have access to microcredit appear to cope (slightly) better. The most important instrument used by households appear be sales of pro- ductive assets (livestock) and there is a signicant mitigating e ect of microcredit: households that have access to microcredit do not need to sell livestock to the extent households that do not have access to microcredit need to, in order to insure con- sumption against health shocks. The results suggest that microcredit organizations and microcredit per se have an insurance role to play, an aspect that has not been analyzed previously.
关键词：Health Shocks, Microcredit, Consumption Insurance, Bangladesh.