【摘要】This paper attempts to understand and operationalize the notion of spatial accessibility(SA) in the context of microfinance. Using geographic information system (GIS) data from northernBangladesh, we have generated a kernel-smoothed map and found remarkable spatial variation inaccess to microcredit. Results suggest that areas isolated from physical infrastructure, administrativeestablishments, and prone to ecological shocks, exhibit lower degree of SA. Moreover, using an instru-mental variable framework, we found that SA has a significant positive impact on household’s decisionto borrow and on the number of loans: one standard deviation higher SA is associated with a rise inparticipation probability and average number of microloans by, at least, 3.5 percentage points and 16percent, respectively.

【文献来源】Khan A;Rabbani A. Journal of Regional Science.2015（5）