The Expenditure Pattern of Microfinance Clients of Sinapi Aba Trust in Ghana

Dr. Paul A. Onyina

The Expenditure Pattern of Microfinance Clients of Sinapi Aba Trust in Ghana

Dr. Paul A. Onyina * §

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§ Pentecost University

The Expenditure Pattern of Microfinance Clients of Sinapi Aba Trust in Ghana

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Abstract

The much publicised success of some microfinance institutions and their swift expansion in recent years Suggest microfinance could be a potential policy tool in poverty alleviation. Available empirical evidence from existing research shows some positive impacts made in poverty alleviation from some microfinance programmes. This paper intends to add to the existing literature on the industry by evaluating the expenditure pattern of clients who have received loans from the Sinapi Aba Trust, a Ghanaian microfinance institution. We collected data on clients of the scheme. Our data show that expenditure pattern of old clients is greater than that of new clients, even though the latter on average receive larger volumes of credit. In this study, we construct expenditure indicators, finding that years of membership duration with the SAT lending scheme matters in clients’ expenditure. The results show that old clients are more likely to purchase assets and spend on food, expand their businesses, and spend larger amounts on their children’s education than new clients.

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Funding

No external funding was declared for this work.

Conflict of Interest

The authors declare no conflict of interest.

Ethical Approval

No ethics committee approval was required for this article type.

Data Availability

Not applicable for this article.

How to Cite This Article

Dr. Onyina. 2014. "The Expenditure Pattern of Microfinance Clients of Sinapi Aba Trust in Ghana". Global Journal of Management and Business Research, Global Journal of Management and Business Research - B: Economic & Commerce GJMBR-B Volume 14 (GJMBR Volume 14 Issue B1).

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GJMBR Volume 14 Issue B1

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Journal Specifications

Crossref Journal DOI 10.17406/GJMBR

Print ISSN 0975-5853

e-ISSN 2249-4588

Keywords

assets credit impact income jel mfis

Classification

GJMBR-B Classification JEL Code: E51

E64

Submission ReceivedDecember 12, 2013
Peer Review Double Blind
Handling Editor
Accepted December 31, 2013
Published January 15, 2014

Version of record

v1.2

Issue date

March 25, 2014

Language

English

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Article Matrices

Total Score: 149

Country: Ghana

Subject: Global Journal of Management and Business Research

Authors: Paul A. Onyina, Sean Turnell (PhD/Dr. count: 0)

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Publish Date: 2014 01, Wed

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