This research article effort to empirically assess the effect of microcredit on household economic welfare consequences, for example income and consumption in rural Pakistan. The valuation is based on the difference‐in‐difference method that is a progressively popular technique of tackling the selection bias issue in measuring the influences of microcredit. This paper uses a 2‐year panel data set, together with both primary and secondary data gained through a household survey in rural Pakistan. Our empirical outcomes favour the full belief in the literature that participates in microcredit programme helps expand households' economic welfare, for example income and consumption. Despite the positive results on how microcredit has improved the rural households' living status, our outcomes display that the huge majority of the program applicants are non‐poor, which casts roughly uncertainties on the social potential (for example poverty alleviation) of Pakistan's microcredit programs. © 2020 John Wiley & Sons, Ltd.

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小额信贷与经济福利：巴基斯坦贫困农村家庭的经验

这篇研究文章旨在通过经验评估小额信贷对家庭经济福利后果的影响，例如巴基斯坦农村地区的收入和消费。评估基于差异法，该方法是一种在衡量小额信贷影响时解决选择偏差问题的渐进流行技术。本文使用了两年的面板数据集，以及通过巴基斯坦农村地区的家庭调查获得的主要和次要数据。我们的经验结果使人们完全相信参与小额信贷计划的文献有助于扩大家庭的经济福利，例如收入和消费。尽管小额信贷如何改善了农村家庭的生活状况取得了积极成果，我们的结果表明，绝大多数计划申请人都是贫困人口，这给巴基斯坦的小额信贷计划的社会潜力（例如减轻贫困）带来了不确定性。分级为4 +©2020 John Wiley＆Sons，Ltd.