Self-Employed Versus Paid-Employed: What are the Different Preferences for Microfinance? Experimental Evidence From Rural China

Zhao Ding, Xinyi Fan, Jing‐ye Zhang · 2024 · SAGE Open

Summary. Self-employed rural Chinese households show different preferences for microfinance than paid employees. Non-agricultural self-employment increases comfort with microfinance products, while agricultural self-employment decreases it. The study uses experimental choice data and advanced statistical modeling to reveal that employment type shapes how rural people evaluate microfinance attributes, suggesting microfinance design should account for these distinct preference patterns.

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Ding, Z., Fan, X., & Zhang, J.. (2024). Self-Employed Versus Paid-Employed: What are the Different Preferences for Microfinance? Experimental Evidence From Rural China. SAGE Open. https://doi.org/10.1177/21582440241239807

@article{ding-2024-self-employed-versus-paid-employed,
  title   = {Self-Employed Versus Paid-Employed: What are the Different Preferences for Microfinance? Experimental Evidence From Rural China},
  author  = {Zhao Ding and Xinyi Fan and Jing‐ye Zhang},
  journal = {SAGE Open},
  year    = {2024},
  doi     = {10.1177/21582440241239807},
  url     = {https://doi.org/10.1177/21582440241239807}
}

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TI  - Self-Employed Versus Paid-Employed: What are the Different Preferences for Microfinance? Experimental Evidence From Rural China
AU  - Zhao Ding
AU  - Xinyi Fan
AU  - Jing‐ye Zhang
JO  - SAGE Open
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DO  - 10.1177/21582440241239807
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Details

DOI: 10.1177/21582440241239807
Countries: China
Regions: Asia
Categories: funding, entrepreneurship, general-innovation
Added: 2026-04-29