This study has been designed to be complementary to the work carried out by the IPA (Innovations for Poverty Action) / J-PAL (The Abdul Latif Jameel Poverty Action Lab) team. The IPA/J-PAL study, which began in 2006, capitalised on the start of Al Amana‘s activities in rural areas and aimed to quantitatively measure the economic impacts of microcredit in remote rural areas. The initial results of this study showed, on the one hand, that the borrowing rate (or take-up rate) amongst the target population was lower than expected, meaning the IPA/J-PAL team had to adapt its sampling strategy and, on the other hand, that there were considerable variations in borrowing rates between villages (from 0% to over 80%), whereas the type of credit offered is the same everywhere. As this study is intended to be complementary, it aims to use a qualitative approach in order to identify the different factors that foster (or do not foster) take-up of Al Amana‘s microcredit by rural communities.

The approach used is both socioeconomic and comprehensive. It aims to analyse local modes of perception of financial services and of financial practices, with a specific focus on the inter-linkages between economic activities and social, cultural, religious and political life and the numerous interactions between these different dimensions of human activity. The socioeconomic approach also pays special attention to institutions, rules and regulations, by assuming their constant dialectic with individual actions.
pdf : 303.07 KB
author(s) :
Isabelle GUERIN
coordinator :
Stéphanie Pamies
collection :
Évaluations ex-post
issn :
pages :
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available also in : fr en