scholarly journals The Impact of Access to Credit on Household Welfare in Rural Vietnam

2006 ◽  
pp. 275-302
Author(s):  
M.H. Quach ◽  
A.W. Mullineux
Keyword(s):  
Household Welfare ◽  
Access To Credit ◽  
The Impact

scholarly journals The Impact of Interest Rate Ceilings on Microfinance Industry

2015 ◽  
Vol 2 (2) ◽  
pp. 10
Author(s):  
Ali Saleh Alshebami ◽  
D. M. Khandare
Keyword(s):  
Interest Rate ◽  
Interest Rates ◽  
Low Income ◽  
Secondary Data ◽  
Research Subject ◽  
Access To Credit ◽  
The Poor ◽  
Good Intention ◽  
The Interest Rate ◽  
The Impact

<p>Imposing ceilings on the interest rate has recently become one of the new hottest topics in microfinance industry; various debates have been discussing this issue to know the effect of interest rate ceilings on the supply of credit in particular and on microfinance industry in general. However in spite of the good intention behind these ceilings, there was no absolute result stating that ceilings have really contributed to the improvement or protection of the poor clients, indeed, these ceilings have hurt those low income people instead of helping them, due to these ceilings most of MFIs left the market or reduced their scale due to the inability to continue operating with low interest rate leaving the very poor clients without access to credit. Thus, the purpose of this paper is to review the impact of imposing such ceilings on the interest rates and to find out what alterative solutions can be employed as substitutes for them. This paper is entirely based on the secondary data collected from various records related to microfinance such as microfinance books, official websites and reports, published papers, and other sources related to the research subject.</p>

scholarly journals Impacts of Oil Discovery on Households in Uganda: A CGE Analysis

2019 ◽  
Vol 5 (1) ◽  
pp. 41
Author(s):  
Koire Twaha ◽  
Arshad Ali Bhatti ◽  
Husain Abbas Naqvi
Keyword(s):  
Private Consumption ◽  
Farm Households ◽  
Household Welfare ◽  
Cge Model ◽  
Absolute Poverty ◽  
Poverty And Inequality ◽  
Urban Farm ◽  
Oil Exports ◽  
The Impact ◽  
Positive Effect

This study analyses the impact of oil discovery on household poverty and inequality by employing a CGE model using 2007 SAM for Uganda. The oil production and export simulations show a decline in absolute poverty, poverty gaps and severity. Further, our findings showcase a positive effect of production and exports on household welfare, except for urban farm households. This study recommends for the managers of the economy to pay special attention towards injection of a reasonable portion of oil rent in sectors which positively contribute to the economy, diversify non-oil exports and above all, boost private consumption.

scholarly journals El impacto de los servicios financieros y la capacitación de las MIPYMES de Costa Rica (The impact of financial services and managerial Training on Costa Rica SMEs)

2014 ◽  
Vol 8 (1) ◽  
pp. 19 ◽  
Author(s):  
Ricardo Monge González ◽  
Juan Antonio Rodríguez Álvarez
Keyword(s):  
Costa Rica ◽  
Financial Services ◽  
Medium Size ◽  
Company Performance ◽  
Access To Credit ◽  
Managerial Training ◽  
El Sistema ◽  
Training Courses ◽  
The Impact ◽  
A Company

<p>Este trabajo estima el impacto de los servicios financieros (diferentes del crédito) y los cursos de capacitación de corto plazo sobre las ventas reales, número de empleados, grado de formalización y acceso al crédito en el sistema financiero formal, de un conjunto de micro, pequeñas y medianas empresas clientes de una entidad de microfinanzas que opera en Costa Rica. Para ello, se emplea un panel de datos de cinco años (2006 a 2010) y modelos econométricos que tratan de controlar por atributos de las empresas, tanto observables como no observables, que afectan el desempeño de las variables sobre las cuales se mide el impacto. Los resultados señalan que aquellas empresas que recibieron servicios financieros diferentes del crédito lograron aumentar más el valor de sus ventas y el empleo, y también mejoraron su grado de formalización (aunque este resultado es débil estadísticamente), cuando se las compara con aquellas que no obtuvieron acceso a este tipo de financiamiento. Además, parecería ser que las garantías de participación y cumplimiento son el instrumento financiero que más impacta en forma positiva el desempeño de estas empresas. Por otra parte, no se obtuvo evidencia de que los servicios de capacitación de corta duración tuvieran algún impacto sobre el desempeño de estas empresas. Con base en todo lo anterior se plantean varias recomendaciones de política.</p><p> </p><p><strong>Abstract </strong></p><p>This paper considers the impact that financial services other than credit, and short term training courses have on total sales, employee number, level of formalization and access to credit in the regular financial system for a group of micro, small and medium size enterprises that are clients of a micro financing entity operating in Costa Rica. With this aim, data collected over five years (2006 to 2010), and econometric models that monitor a company`s performance by visible and non-visible attributes affecting measuring variables were used. Results show that the companies that received financial services other than the credit itself increased sales and employment more , and also improved their level of formalization (although the latter is statistically weak), when compared to others that did not had access to this type of financing. Also, it seems that participation and compliance guarantees are the most impacting financial instrument on company performance. On the other hand, no evidence was obtained about short training courses had any impact on company performance. Finally, some policy changes are recommended.<strong><br /></strong></p>

The Role of Internet Utilization Among SMEs on Household Welfare in Indonesia

2020 ◽  
Vol 9 (1) ◽  
pp. 25-37
Author(s):  
Ariska N. Rini ◽  
Lienggar Rahadiantino
Keyword(s):  
Internet Use ◽  
The Internet ◽  
Household Welfare ◽  
Capita Expenditure ◽  
Household Heads ◽  
Using Data ◽  
One Year ◽  
Small Medium Enterprises ◽  
Medium Enterprises ◽  
The Impact

The Internet has a significant influence on poverty alleviation and economic growth. Internet involvement in small-medium enterprises (SMEs) has the opportunity to create a better level of welfare. Using data from the fifth wave of the Indonesian Family Life Survey (IFLS), this study aims to analyze the impact of internet utilization on household welfare among two groups, household enterprises with internet use for business and without internet use for business. The results of the Propensity Score Matching (PSM) method mention that household enterprises with internet for business purposes have higher household per capita expenditure, food consumption, and non-food expenditure than household enterprises without internet use. Another interesting result finds that household enterprises are likely to use the internet only if household heads at a young age and business establish less than one year.

IMPACT OF MICROFINANCE ON POVERTY ALLEVIATION IN ONDO STATE, NIGERIA

2012 ◽  
Vol 02 (09) ◽  
pp. 31-37
Author(s):  
AKINLO Anthony Enisan ◽  
ONI Isaac Oluwafemi
Keyword(s):  
Poverty Alleviation ◽  
Small Scale ◽  
Significant Positive Effect ◽  
Access To Credit ◽  
Economic Opportunities ◽  
Ondo State ◽  
The Impact ◽  
Positive Effect ◽  
Micro Credit

The paper examines the impact of microfinance on poverty alleviation in Ondo State, Nigeria. The paper is based on a survey of 240 beneficiaries of microcredit loans in Ondo State. The results of the analysis show that most beneficiaries of micro credit loans are educated youth between the age brackets of 18 and 40 years. Many of the beneficiaries utilized their loans to procure durable equipment needed in their small scale enterprises. The results show that loan empowerment has a significant positive effect on beneficiaries’ welfare. Access to credit allowed the beneficiaries take advantage of economic opportunities by providing a fundamental basis for planning and expanding business activities.

Self Help Groups

2016 ◽  
pp. 221-235
Author(s):  
Shruti Agrawal
Keyword(s):  
The Self ◽  
Access To Credit ◽  
Self Help ◽  
Favorable Environment ◽  
Self Help Groups ◽  
The Impact ◽  
Self Help Group

The chapter is based on the Self Help Group-Bank linkage Programme in India. The objective of the chapter is to assess the SHGs access to credit under SHG-Bank Linkage Programme, to know the progress of SHG-Bank Linkage Programme in India and to evaluate the impact of SHG-Bank Linkage Programme in India. Finally the chapter ends with suggestions to improve self help group-bank linkage programme and concludes that SHG-Bank Linkage Programme has provided a more favorable environment for enhancing India's potential for greater equitable growth with empowerment while considering the positive signs in their performance.

Short-term Behavioural Equations for Developing Countries

2020 ◽  
pp. 249-262
Author(s):  
Giovanni Andrea Cornia
Keyword(s):  
Developing Countries ◽  
Money Demand ◽  
Size Structure ◽  
Structural Difference ◽  
Policy Changes ◽  
Access To Credit ◽  
Aggregate Consumption ◽  
Advanced Economies ◽  
The Impact

This chapter discusses the structural difference in family size, structure, location, and preferences, as well as the features of the formal and informal financial markets that determine the access to credit of various types of firms. It also reviews the role of the exchange rate, interest, rate and inflation in determining money demand. It then discusses behavioural equations for aggregate consumption, investment, and money demand that fit the reality of developing countries, and compares them with those discussed in Chapter 3 for the advanced economies. It shows that their inclusion in the IS-LM and AS-AD models often modifies the impact of policy changes and endogenous shocks in relation to those obtained in the advanced economies.

scholarly journals The Impact of Consumer Credit Access on Unemployment

2019 ◽  
Vol 86 (6) ◽  
pp. 2605-2642 ◽  
Author(s):  
Kyle F Herkenhoff
Keyword(s):  
Business Cycles ◽  
Consumer Credit ◽  
Quantitative Result ◽  
Credit Access ◽  
Access To Credit ◽  
Employment Dynamics ◽  
Cyclical Fluctuations ◽  
The Business Cycle ◽  
The Impact ◽  
Revolving Credit

Abstract Unemployed households’ access to unsecured revolving credit more than tripled over the last three decades. This article analyses how both cyclical fluctuations and trend increases in credit access impact the business cycle. The main quantitative result is that credit expansions and contractions have contributed to moderately deeper and more protracted recessions over the last 40 years. As more individuals obtained credit from 1977 to 2010, cyclical credit fluctuations affected a larger share of the population and became more important determinants of employment dynamics. Even though business cycles are more volatile, newborns strictly prefer to live in the economy with growing, but fluctuating, access to credit markets.

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