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Paul Onyina

Photo of Paul Onyina
  • Title: Mr
  • Position: PhD Student - Department of Economics

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Student information

  • Load: PhD Student Full Time
  • Principal supervisor: Associate Professor Sean Turnell
  • Associate supervisor: Doctor Pundarikaksha Mukhopadhaya
  • Date of submission: 01/01/2011
  • Thesis title: The Impact of Microfinance Programme on Clients: Evidence from Ghana
  • Abstract: After the success of some leading microfinance institutions in recent years, the role of microfinance programmes as a potential policy tool for poverty reduction has received great attention. Empirical evidence from existing research shows some positive effects in poverty alleviation from some microfinance schemes.  This study aims to add to the existing literature on the industry by assessing the impact of microfinance on clients who have received loans from the Sinapi Aba Trust of Ghana. Available data show that old clients have received greater benefits and are more empowered from the programme compared to new clients, even though the latter on average receive larger volumes of credit. In this study, we construct empowerment and vulnerability indicators, finding that years of membership duration with the microfinance scheme determines the level of empowerment. The results show that old clients are more likely to increase their food purchases, save, acquire assets, improve their businesses, and spend larger amounts on their children’s education than new clients.