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首页> 外文期刊>Journal of business venturing >Micro-entrepreneurship and subjective well-being: Evidence from rural Bangladesh
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Micro-entrepreneurship and subjective well-being: Evidence from rural Bangladesh

机译：微型创业精神和主观幸福感：来自孟加拉国农村的证据

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摘要

Microcredit has long been hailed as a powerful tool to promote livelihoods and reduce poverty through entrepreneurship. However, its impacts on peoples subjective well-being remain underexplored. We present a unified theoretical framework for analyzing the effect of microcredit-enabled entrepreneurship on overall life satisfaction a key manifestation of subjective well-being. Empirically, we apply an instrumental variable approach to a unique census-like house-hold survey conducted in three villages of Bangladesh in 2013. In spite of having no direct effects, we find that microcredit borrowing has an indirect negative effect on overall life satisfaction, through increased worry. On a positive note, we find that female micro-borrowers experience an increase in satisfaction with financial security and achievement in life. We also provide evidence that micro-borrowers with higher levels of assets experience an increase in satisfaction with financial security.
机译：长期以来，小额信贷一直被誉为通过创业促进生计和减少贫困​​的有力工具。但是，其对人民主观幸福感的影响仍未得到充分研究。我们提供了一个统一的理论框架，用于分析小额信贷创业对整体生活满意度的影响，这是主观幸福感的关键体现。根据经验，我们将工具变量方法应用于2013年在孟加拉国三个村庄进行的独特的类似于普查的家庭住户调查。尽管没有直接影响，但我们发现小额信贷借款对整体生活满意度有间接的负面影响，通过增加担心。从积极的方面来看，我们发现女性微型借款人对财务安全和生活成就的满意度有所提高。我们还提供证据表明，资产水平较高的微型借款人对金融安全的满意度有所提高。

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