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Essays in Macroeconomics and Microfi...

ProQuest Information and Learning Co.

Essays in Macroeconomics and Microfinance.

Record Type:	Language materials, manuscript : Monograph/item
Title/Author:	Essays in Macroeconomics and Microfinance./
Author:	Liu, Fan.
Description:	1 online resource (156 pages)
Notes:	Source: Dissertation Abstracts International, Volume: 78-12(E), Section: A.
Contained By:	Dissertation Abstracts International78-12A(E).
Subject:	Economic theory. -
Online resource:	click for full text (PQDT)
ISBN:	9780355107739

Essays in Macroeconomics and Microfinance.
Liu, Fan.

Essays in Macroeconomics and Microfinance. - 1 online resource (156 pages)

Source: Dissertation Abstracts International, Volume: 78-12(E), Section: A.

Thesis (Ph.D.)

Includes bibliographical references

This dissertation contributes to studies in macroeconomics, microfinance, entrepreneurship, financial technology innovation (FinTech), and economic development. In particular, I study unbanked problems and evaluate microfinance programs.

Electronic reproduction.
Ann Arbor, Mich. :
ProQuest,
2018

Mode of access: World Wide Web

ISBN: 9780355107739Subjects--Topical Terms:

809881
Economic theory.
Index Terms--Genre/Form:

554714
Electronic books.

Essays in Macroeconomics and Microfinance.
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035 $a (MiAaPQ)uiowa:14977
035 $a AAI10262502
040 $a MiAaPQ $b eng $c MiAaPQ
099 $a TUL $f hyy $c available through World Wide Web
100 1 $a Liu, Fan. $3 1180655
245 1 0 $a Essays in Macroeconomics and Microfinance.
264 0 $c 2017
300 $a 1 online resource (156 pages)
336 $a text $b txt $2 rdacontent
337 $a computer $b c $2 rdamedia
338 $a online resource $b cr $2 rdacarrier
500 $a Source: Dissertation Abstracts International, Volume: 78-12(E), Section: A.
500 $a Adviser: Anne Villamil.
502 $a Thesis (Ph.D.) $c The University of Iowa $d 2017.
504 $a Includes bibliographical references
520 $a This dissertation contributes to studies in macroeconomics, microfinance, entrepreneurship, financial technology innovation (FinTech), and economic development. In particular, I study unbanked problems and evaluate microfinance programs.
520 $a Chapter 1 studies quantitatively how a microfinance program in the U.S. affects occupational choice, firm size, credit access, wages, output, inequality and welfare. The general equilibrium model has heterogeneous agents, a bank with a minimum loan size requirement and a microfinance institution (MFI) with a loan interest rate that exceeds the bank's. Four microfinance program policies are evaluated: alternative minimum loan size requirements, changes in the loan cost wedge (due to innovation or regulation), changes to the level of the government subsidy, and alternative MFI sustainability requirements. We find that MFIs can have significant welfare effects for some individuals.
520 $a In Chapter 2, I introduce a microsavings program for low-wealth individuals in a general equilibrium model with heterogeneous agents. The model incorporates that (i) traditional banks require a minimum savings deposit size, causing some individuals to become "unbanked,'' and (ii) banks and non-profits partner to offer microsavings programs to the unbanked. The paper finds that microsavings programs increase the percentage of entrepreneurs by providing collateral that the previously unbanked can use to start firms, and wages increase, which benefits workers. Second, government subsidies for microsavings programs expand the size and number of firms, but output and workers may decline when funding the program requires higher income taxes. Third, bank sector deregulation (i.e., lower transaction costs in the financial sector) leads to higher output per capita, wages, and firm numbers, and possibly lower income inequality among entrepreneurs. Finally, technological innovations that decrease deposit transaction costs, such as mobile banking, reduce funding pressure on microsavings programs, but have little effect on the percentage of entrepreneurs, firm size, entrepreneur returns or wages.
533 $a Electronic reproduction. $b Ann Arbor, Mich. : $c ProQuest, $d 2018
538 $a Mode of access: World Wide Web
650 4 $a Economic theory. $3 809881
650 4 $a Finance. $3 559073
650 4 $a Entrepreneurship. $3 559908
655 7 $a Electronic books. $2 local $3 554714
690 $a 0511
690 $a 0508
690 $a 0429
710 2 $a ProQuest Information and Learning Co. $3 1178819
710 2 $a The University of Iowa. $b Economics. $3 1179196
773 0 $t Dissertation Abstracts International $g 78-12A(E).
856 4 0 $u http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=10262502 $z click for full text (PQDT)

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