Witrynathat borrowing from group-lending schemes increased consumption of poor house-holds. However, Morduch 1998b has argued that Pitt and Khandker’s result . reflects program selection effects rather than the impact of borrowing per se. Coleman, in his contribution to this issue, studies the question of program impact in northeast Thailand. WitrynaTheory of change The hypotheses we test: H1: If VSLAs meet unmet demand for financial services, the intervention will increase financial savings and the use of credit H2: Through access to loans and the social fund, members will be able to cope better with unforeseen shocks and improve food security H3: Through loans and share-outs, …

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