Is Microfinance by Itself Transformative in Post-conflict Contexts?

  • Julia Smith-Omomo


The effectiveness of microfinance even, in non-conflict-affected contexts is ambiguous, with supporting and critical proponents on each side. A closer look at the state of the art draws the fine line between overstating and understating the impact of microfinance on users. The chapter makes the argument that conflict brings additional considerations and effects into users lives, which are reflective of and a result of physical insecurity. Such effects include the reduction in investments in durable goods, and an increase in spending on social networks. In conclusion, conflict may have more of an effect on consumption than microfinance may have on consumption in conflict zones, but the utilization of and reliance on financial services at all indicate their relevance.


Dean Karlan Microfinance Programs Microfinance Services Microfinance Institutions investmentInvestment 
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© The Author(s) 2019

Authors and Affiliations

  • Julia Smith-Omomo
    • 1
  1. 1.Independent ResearcherWashington, DCUSA

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