Improving housing conditions: Labelled loans in Kenya and Uganda

Amreen Choda, Annekathrin Schoofs and Noel Verrinder

No 878, Ruhr Economic Papers from RWI - Leibniz-Institut für Wirtschaftsforschung, Ruhr-University Bochum, TU Dortmund University, University of Duisburg-Essen

Abstract: We evaluate a non-governmental housing microfinance intervention that attempts to improve housing conditions for low income populations by simultaneously offering them a labelled loan and non-financial technical support. Using household survey data from Kenya and Uganda, we first show evidence for the successful targeting of our labelled loans because 95% of clients used the loan for the intended housing improvement. Second, our results suggest that access to small, short-term loans enables households to invest in housing upgrades that can significantly improve both the characteristics of their dwelling and their satisfaction with their dwelling. These effects are robust to four different estimation approaches (difference-in-differences, inverse probability weighting, matching, and ordinary least squares with postdouble selection Lasso).

Keywords: Housing conditions; microfinance; health; Uganda; Kenya (search for similar items in EconPapers)
JEL-codes: I15 I31 O18 (search for similar items in EconPapers)
Date: 2020
New Economics Papers: this item is included in nep-dev and nep-mfd
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Persistent link: https://EconPapers.repec.org/RePEc:zbw:rwirep:878

DOI: 10.4419/96973017

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