Tabaza, Joud K

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  • Publication
    Evaluating the Impact of Mass Borrower Bailout in Jordan's Microfinance Landscape
    (2022-01-01) Tabaza, Joud K
    Borrower debt relief stands as a widely utilized, yet deeply contentious economic policy enacted by governments universally. This paper adopts a difference-in-differences design to study the impact of a women-targeted mass borrower relief program enacted by the government of Jordan in 2019 on credit market outcomes of formal microfinance institutions (MFIs). I find that the program led to significant credit rationing and reallocation from women and areas of higher risk to men and areas of lower risk. Post-program levels of MFI portfolio risk remain stable with no evidence supporting the existence of moral hazard among MFIs, suggesting stricter lending practices in response to the relief.