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Essays in Macroeconomics and Microfi...

Liu, Fan.

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Essays in Macroeconomics and Microfinance.

Record Type:	Electronic resources : Monograph/item
Title/Author:	Essays in Macroeconomics and Microfinance./
Author:	Liu, Fan.
Published:	Ann Arbor : ProQuest Dissertations & Theses, : 2017,
Description:	156 p.
Notes:	Source: Dissertation Abstracts International, Volume: 78-12(E), Section: A.
Contained By:	Dissertation Abstracts International78-12A(E).
Subject:	Economic theory. -
Online resource:	http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=10262502
ISBN:	9780355107739

Essays in Macroeconomics and Microfinance.
Liu, Fan.

Essays in Macroeconomics and Microfinance. - Ann Arbor : ProQuest Dissertations & Theses, 2017 - 156 p.

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

Thesis (Ph.D.)--The University of Iowa, 2017.

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.

ISBN: 9780355107739Subjects--Topical Terms:

1556984
Economic theory.

Essays in Macroeconomics and Microfinance.
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245 1 0 $a Essays in Macroeconomics and Microfinance.
260 1 $a Ann Arbor : $b ProQuest Dissertations & Theses, $c 2017
300 $a 156 p.
500 $a Source: Dissertation Abstracts International, Volume: 78-12(E), Section: A.
500 $a Adviser: Anne Villamil.
502 $a Thesis (Ph.D.)--The University of Iowa, 2017.
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.
590 $a School code: 0096.
650 4 $a Economic theory. $3 1556984
650 4 $a Finance. $3 542899
650 4 $a Entrepreneurship. $3 526739
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710 2 $a The University of Iowa. $b Economics. $3 1022879
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793 $a English
856 4 0 $u http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=10262502