Income Analysis of Microloan Borrowers
Christopher C. King, PhD; Stephen P. Wernet, PhD; Djamchid Assadi, PhD

Abstract
A panel study design consisting of borrower surveys collected over seven years was used to assess change in family and business incomes of clients in a Dominican Republic microfinance-plus program. The findings demonstrate borrower’s experienced significant positive change in incomes. Those who exited early were most likely to be the wealthiest clients initially. Those who stayed in the program were more likely to be the poorest when they began the program. Despite this initial difference in distribution, incomes increased significantly for program participants. These outcomes demonstrate significant inter-variability in participant response to a microfinance-plus program.

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