Microfinance Research

Research/writing and politics are inseparable. “It is the writer’s duty to hate injustice, to defy the powerful, and to speak for the voiceless.” Academics, therefore, is a call to arms.
— Ed Abbey, author of The Monkeywrench Gang


The campus office where I worked for nearly four decades. It’s a center of productivity, but also quite a disaster area too. In fact, several years ago, my books were stacked up to the ceiling and the city fire marshal threatened to order the entire Tanner Building closed until I restructured so that there was a foot of open space required by the fire code to prevent possible smoke danger.


Big Bad Audacious Unitus. Building a 1.2 Billion Dollar Social Enterprise for Microcredit,Noble International Journal of Social Sciences Research, Vol. 6, No. 4, 2021, pp. 48-55.

“U.S. Microfinance from the Bottom Up: The Case of Microbusiness Mentors as a Social Enterprise,” International Journal of Advances in Engineering and Management (IJAEM), Vol. 2, Issue 12, December 2020, pp. 71-77.

Engaged Learning in MBA Programs: Hands-on Microfinance
(Woodworth PPT at Global Economics Conference, Tel Aviv, 2017)

“Social Business in Times of Crisis: Microcredit Strategies During Social Unrest and/or Natural Disaster,” Journal of Social Business, Glasgow University, Vol. 3, No. 1, April 2013, pp. 70-88.

“Critique of SKS Microfinance Journey to IPO – An inside story,” Microfinance News, May 13, 2010.

“Conflicts in Microcredit: The Battle over Mission and Sustainability,” Banking on the Future: Microfinance as Service, Spring 2010, Pfeiffer University, Chapter 2.

“Solutions to Disaster: Microfinance Applications for Haiti after the Terrible January 12 Earthquake,” Microfinance Practice, February 11, 2010.

“Peter Drucker’s Creative Concepts for Innovation, Civic Engagement, and Entrepreneurship in the Social Sector,” Journal of Innovation & Creativity, 2009, pp. 33-52.

“Evaluating Impacts of Microfinance Institutions Using Guatemalan Data,” Managerial Finance, Vol. 35 No. 12, 2009, pp. 953-974 (with James Brau and Shon Hiatt).

Strategies for Empowering the Global Poor: Microcredit in Africa, Asia, and Latin America. San Francisco, CA: International Development Books, 2008, 222 pp.

“Comparing Apples and Oranges: Different Microfinance Strategies in Kenya,” Conference Proceedings. Fort Myers, FLA: Academy of Business Disciplines, November 2008, 13 pp.

“Inventing the Future: Philippines Enterprise Development Foundation,” This People Magazine, Summer 1997, pp. 20-26.

“East African NGO Impacts,” Social Science Research Network, November 2008, 8 pp.

“Microenterprise: Building Well-Being Among Poor U.S. Families,” Chapter 25 in Handbook of Families in Poverty. Thousand Oaks, CA: Sage. 2007.

“Current International Development Tools to Combat Poverty,” Chapter in MicroFranchising: Creating Wealth at the Bottom of the Pyramid. Cheltenham Glos, UK: Edward Elgar, 2007, pp. 78-98.

“The Value of Networks in Enterprise Development: Case Studies in Eastern Europe and Southeast Asia,” Journal of Developmental Entrepreneurship, Vol. 11, No. 3, December 2006, pp. 345-356 (with Shon Hiatt of Cornell and Shad Morris of MIT).

“Microcredit in Post-Conflict, Conflict, Natural Disaster, and Other Difficult Settings,” Microcredit Summit: Commissioned Articles, Halifax, Canada, November 2006, 68 pp.

“Local Development Through Microfinance Tools,” Chapter in Microfinance: Challenges and Opportunities. The Institute of Chartered Financial Analysts, ICFAI University Press, June 2006, 24 pp.

“A Rising Innovation: Microentrepreneurial Support Organizations,” USASBE Conference Proceedings, Orlando, Florida, 2006, 13 pp.

“Challenges Facing Impoverished Families When Disaster Strikes: Opportunities for Microfinance,” Review of Business Research, Vol. 6, No. 5, October 2006, pp. 29-33.

“Alleviating Poverty through Microfinance,” The Social Science Journal, Vol.43, No.3, 2006, pp. 471-477.

“Socio-Economic Factors Arising From Microcredit,” Western Social Science Proceedings, Phoenix, AZ 2006.

“Microcredit in Post-Conflict/Conflict, Natural Disaster and Other Difficult Settings.” Microcredit Summit Proceedings, Washington, D.C., 2006.

“Socio-Economic Factors Arising From Peruvian Microcredit. Western Social Science Proceedings, Phoenix, Arizona, 2006 (with H. Rawhouser).

“Small Fortunes: Microcredit and the Future of Poverty.” PBS Web site text, 2005. Go to PBS. Go to KBYU.

“Warrior Economics: Financing the Poorest of the Native American Poor.” Native American Policy. Vol. XV, October 2004.

“Socio-Economic Results of Microfinance in Mexico and Ecuador”. Encyclia: Utah Academy Journal, (with S. Hiatt).

“Alleviating Poverty through Microfinance: Banking Outcomes in Central America”. Paper presented at the Western Social Science Association Annual Conference, Salt Lake City, UT, April 2004 (with S. Hiatt).

“Constructing Civil Society: The Architecture of Social Entrepreneurship for Empowering the Poor”. Presentation at BYU’s 7th Annual MicroEnterprise Conference, Provo, UT, March 2004.

“Achieving Self-Reliance through Grassroots Microlending”. Published in proceedings of the Society for the Advancement of Management, Baltimore, Maryland. March 2004 (with S. Hiatt).

“Microentrepreneurship Impacts in East Africa”. Published in proceedings of International Council for Small Business, Belfast, Ireland. June 2003.

“Innovations in Financing the Poor”. Presentation at Harvard University, Cambridge, Massachusetts, April 2003.

“Local Development through Microfinance Tools in Central America”. Published in proceedings of Society for the Advancement of Socio Economics, Aix-en-Provence, France. June 2003 (with S. Hiatt).

“Trickle-Up Entrepreneurship: Microenterprise Creation in Poor Communities”. Published in proceedings of International Council for Small Business, San Juan, Puerto Rico. June 2002.

“Microcredit: A Grassroots Policy for International Development”Policy Studies Journal, Vol. 29, No. 2, 2001, pp. 267-282. Republished in edited book Microcredit and Development Policy. Huntington, NY: Nova Science Publishers, 2001, pp. 15-32 (with G. Woller).

“Third World Economic Empowerment in the New Millennium”Advanced Management Journal, Vol. 65, No. 4, Autumn 2000, pp. 19-28.

Small Really Is Beautiful: Micro Approaches to Third World Development—Microentrepreneurship, Microenterprise, and Microfinance. Warner Woodworth, Editor (Ann Arbor, MI: Third World Think Tank) 1997 (Book, 290 pp.) Second Printing, 1998; Third Printing 2000.
Small Really Is Beautiful: Part I Introduction: Where Credit is Due (W. Woodworth), The Grameen Bank Model (Muhammad Yunus)
Small Really Is Beautiful: Part II Women, Cambodia, China, Philippines, Russia, USA
Small Really Is Beautiful: Part III Polynesia, Bolivia, Chile, Africa, World Bank, Microcredit Evaluation, Appendix (Directory of Microcredit Programs Around the Globe)

“Where to Microfinance?” International Journal of Economic Development. Vol. 1, No. 1, 1999, pp. 1-29.

Journal of Microfinance. Brigham Young University: Provo, UT.


“The central purpose of each life should be to dilute the misery in the world.”
— Karl Menninger

Exit mobile version