Critique no.

The article tries to assess the riskiness of lending to small businesses using the
panel data analysis, as it is most useful when time is part of the equation. The
parts available for me to read allowed me to see that, at most, the study finds two
main conclusions upon using the Panel Data Analysis on micro data from 2004-
2014. That being a) that there is no effect on the insolvency risk of the
Microfinance Institutions, and b) that there is significant decrease of insolvency
risk. As I have read, in my opinion, the researchers have used the method to the
best they could in this study, using both aggregated and disaggregated data to
form their conclusions.