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The innovation necessity: Evidence from microcredit in the Dominican Republic

✍ Scribed by Steven W. Bradley; Kendall Artz; Jimmy Hulett

Publisher: John Wiley and Sons
Year: 2010
Tongue: English
Weight: 105 KB
Volume: 24
Category: Article
ISSN: 0954-1748
DOI: 10.1002/jid.1761

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✦ Synopsis

Abstract

This study examines the role of business innovation as an important, but understudied intervening relationship between microcredit loans and income level. Using archival and survey data of microcredit clients from the Dominican Republic, the study finds that loan size has a positive effect on income level, but only in the presence of business innovation. We find that greater business training in relation to competitors is a significant indicator of business innovation. The findings also suggest that personal characteristics and competitive environment play a joint, but opposite role with innovation in predicting income level. Copyright © 2010 John Wiley & Sons, Ltd.

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