Money or Management? A Field Experiment on Constraints to Entrepreneurship in Rural Pakistan

Xavier Giné, Ghazala Mansuri · 2019 · Economic Development and Cultural Change

Summary. A field experiment in rural Pakistan tested whether microfinance clients benefit more from business training or larger loans. Training significantly improved business knowledge, reduced failures, enhanced practices, and increased household spending by $82 annually, with stronger effects for men. Larger loans had minimal impact, suggesting existing loan sizes already meet demand. Training proved effective but not cost-effective for lenders.

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@article{gin-2019-money-management-field-experiment-constraints,
  title   = {Money or Management? A Field Experiment on Constraints to Entrepreneurship in Rural Pakistan},
  author  = {Xavier Giné and Ghazala Mansuri},
  journal = {Economic Development and Cultural Change},
  year    = {2019},
  doi     = {10.1086/707502},
  url     = {https://doi.org/10.1086/707502}
}

TY  - JOUR
TI  - Money or Management? A Field Experiment on Constraints to Entrepreneurship in Rural Pakistan
AU  - Xavier Giné
AU  - Ghazala Mansuri
JO  - Economic Development and Cultural Change
PY  - 2019
DO  - 10.1086/707502
UR  - https://doi.org/10.1086/707502
ER  - 

Details

DOI

10.1086/707502

Countries

Pakistan

Regions

Asia

Categories

entrepreneurship, funding

Added

2026-04-28