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AUTHOR(S): Shpresim Vranovci
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TITLE Exploring the Socio-Economic Impact of Microlending: A Study of Kosovo's Microfinance Institutions |
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ABSTRACT This study investigates the socio-economic impact of microfinance institutions (MFIs) in Kosovo, with a particular focus on key factors such as repayment behaviour, income changes, and overall living standards. Using advanced statistical methods—including ANOVA (Analysis of Variance), multiple regression, and logistic regression—we analyse borrower data from a sample of 1,000 to identify the drivers of success and the challenges faced by borrowers. Our results indicate that microloans, particularly those for education, lead to higher income growth compared to loans for business or agriculture. We conclude with actionable insights to improve the effectiveness of microfinance interventions in Kosovo. |
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KEYWORDS Microlending, Microfinance, Socio-economic Impact, Education, Standard of Living, Employment, Economic Empowerment, Difference-in-Differences, Propensity Score Matching, Endogeneity |
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Cite this paper Shpresim Vranovci. (2025) Exploring the Socio-Economic Impact of Microlending: A Study of Kosovo's Microfinance Institutions. International Journal of Economics and Management Systems, 10, 7-20 |
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