scholarly journals IMPACT MICROFINANCE CREDIT ACCESS TO IMPROVE HOUSEHOLD WELFARE : EVIDENCE LONGITUDINAL DATA

2017 ◽  
Vol 4 (2) ◽  
Author(s):  
Gigih . Prihantono
Keyword(s):  
Longitudinal Data ◽  
Geographical Area ◽  
Credit Market ◽  
Household Welfare ◽  
Microfinance Institutions ◽  
Credit Access ◽  
Great Preference ◽  
Factors Influencing

Evidence on microfinance services these days ironically shows a great preference for savings products rather than credit products by households. For some authors, this phenomenon is explained by the fact that microfinance products, and especially loans, from formal microfinance institutions do not fit the households demand. This paper first presents evidence on the observed phenomenon in Indonesia microfinance sector. Second, it analyses the Indonesia credit market so as to understand the determinants of the choice for credits from formal sources versus informal sources. The results reveal the size of the loan, agricultural purpose, the geographical area where households live and ethnicity as factors influencing the choice for formal sources. Keywords : microfinance Credit access,household

scholarly journals FACTORS INFLUENCING CREDIT ACCESS FOR FIRMS IN THE BIOGAS SUB SECTOR IN KENYA

2017 ◽  
Vol 2 (3) ◽  
pp. 1
Author(s):  
Bernard Mulandi ◽  
Dr. Sifunjo Kisaka
Keyword(s):  
Social Sciences ◽  
Sampling Technique ◽  
Target Population ◽  
Loan Portfolio ◽  
Credit Access ◽  
Access To Credit ◽  
Qualitative And Quantitative ◽  
Factors Influencing ◽  
The Government ◽  
Descriptive Survey

Purpose: The purpose of this study was to determine the factors influencing credit access for firms in the biogas sub sector in Kenya.Methodology: The study adopted descriptive survey. The target population of the study was the firms in biogas sub sector in Kenya. A sample of 40 firms was selected from all the firms using the random sampling technique. Both qualitative and quantitative data was collected using a questionnaire that consisted of both open ended and close ended questions. Data was analyzed using Statistical Package for Social Sciences (SPSS) and results presented in frequency tables to show how the responses for the various questions posed to the respondents. The data was then analyzed in terms of descriptive statistics like frequencies, means and percentages.Results: The study findings revealed that firms in biogas sub sector had low access to credit from the banks. It was also possible to conclude that age of firm, capital invested, size of the business, financial records, risk preference and access to information influence the level of access to credit by renewable energy sector firms.Policy recommendation: It is recommended that micro financing institutions should regulate the products and services they offer to SMEs so as to have all clients enclosed in their loan portfolio. The study further recommends that banks should work hand in hand with the government to support upcoming businesses and offer financial support.

scholarly journals THE CHOICE OF CLIMATE CHANGE ADAPTATION STRATEGIES PRACTICED BY CASSAVA-BASED FARMERS IN SOUTHERN NIGERIA

AGROFOR ◽  
2020 ◽  
Vol 5 (3) ◽  
Author(s):  
Adanna HENRI-UKOHA
Keyword(s):  
Climate Change ◽  
Climate Change Adaptation ◽  
Adaptation Strategies ◽  
Credit Access ◽  
Access To Credit ◽  
Pests And Diseases ◽  
Factors Influencing ◽  
Southern Nigeria ◽  
Climate Change Adaptation Strategies ◽  
Area Data

The study on choice of climate change adaptation strategies practiced by cassavabased farmers was conducted in Southern Nigeria. The following specific objectives were achieved: to ascertain the perceived effects of climate change in the study area and to determine factors influencing the choice of using climate change adaptation strategies by cassava-based farmers in the study area. Data were obtained through the administration of questionnaire to 300 randomly sampled cassava-based farmers in the study area. Data were analyzed using descriptive statistics such as mean, frequencies, percentages and inferential statistics such as Multinomial Logit Regression technique. The result revealed that farmers perceived increase in flood incidence (91.33%), drought (90.67%), high incidence of pests and diseases (55%) and low yield (50%) as the effects of climate change in the study area. Also, from the results, 58% of the farmers chose not to employ the use of climate change adaptation strategies while only 42% decided to choose using climate change adaptation options in the study area. The result also showed that age of the farmer, farming experience, gender, marital status, level of education, household size, access to credit, access to agricultural extension services and membership of association were the factors influencing the choice climate change adaptation strategies used by the farmers. The study concluded that socioeconomic attributes of the farmers affected their choice of climate change adaptation strategies. Policy should be targeted at designing climate change adaptation technology to farmers as well as providing the enabling environment that would encourage them to employ it.

scholarly journals An Analysis of the Unpredictable Factors Influencing Loan Default in Small Scale Enterprises in the Port Loko Municipality in Sierra Leone using the Fish Bone Diagram

2021 ◽  
Vol 7 (2) ◽  
pp. 119-128
Author(s):  
Edmund Benedict Amara
Keyword(s):  
Sierra Leone ◽  
Research Question ◽  
Fish Bone ◽  
Small Scale ◽  
Microfinance Institutions ◽  
Random Sample Size ◽  
Loan Default ◽  
Factors Influencing ◽  
Fishbone Diagram ◽  
Loan Defaults

The study shows that there are unpredictable factors influencing loan default in small-scale enterprises in Port Loko Municipality. A fishbone diagram which is a cause an effect tool was used to determine these factors. A brainstorming activity was used to get the views of participants with regard to the Research Question. The research question was to respond to a research objective which was “Are there unpredicted factors influencing loan default in small scale enterprises in Port Loko Municipality in Sierra Leone?”. Reviews of necessary literature were done to aid the study. In the review, matters relating to loan default and possible causes were addressed. It is unfolded that there are some loan defaults that are as a result of the borrowers’ lapses and others that are lender-oriented causes. The population size of one hundred and a random sample size of sixty people were used as participants to carry out the brainstorming activity. The population is comprised of small-scale enterprise owners and workers of credit or Microfinance institutions in the Municipality. Brainstorming participants proved that the death of clients or borrowers, internal insecurity, outbreak of diseases (Pandemic), Natural Disasters, and accident all significantly influence loan default of small-scale enterprises.

Determinants of smallholder farmers’ access to microfinance credits

2020 ◽  
Vol 80 (3) ◽  
pp. 401-419 ◽  
Author(s):  
N’Banan Ouattara ◽  
Xiong Xueping ◽  
Trazié Bertrand Athanase Youan BI ◽  
Lacina Traoré ◽  
J.K. Ahiakpa ◽  
...  
Keyword(s):  
Cote D'ivoire ◽  
Côte D’Ivoire ◽  
Smallholder Farmers ◽  
Farm Income ◽  
Future Research ◽  
Microfinance Institutions ◽  
Cote D’Ivoire ◽  
Content Type ◽  
Credit Access ◽  
Côte D'ivoire

Purpose Several years after the regularization of microfinance activity in Côte d’Ivoire, smallholder farmers’ access to microfinance credits still remains marginal. The purpose of this paper is to identify and analyze key determinants of access to microfinance credit in Sassandra-Marahoué District. Design/methodology/approach A total of 150 smallholder farmers were randomly sampled using an interview guide and semi-structured questionnaires. Univariate statistics and Probit binary modeling were employed for data analyses. Findings Results revealed that socio-economic/demographic characteristics of smallholder farmers and credit requirements imposed by microfinance institutions (MFIs) are key determinants of smallholder farmers’ access to microfinance credits in the district. Research limitations/implications Although, the authors shed light on the determinants of microfinance credit access for smallholder farmers in this district, the study focused on a single source of financial credit. Future research will need to explore the determinants of credit demand and the choice between different sources of rural credits in Côte d’Ivoire. Practical implications The findings suggest that MFIs seldom take into account smallholder farmers who are not engaged in off-farm income-generating activities and savings account; and those with low level of education. Sensitization programs on the importance of savings mobilization and credit policy by MFIs will potentially increase smallholder’s knowledge on credit access requirements and thereby increased access. Originality/value To the authors’ knowledge, this is the first study investigating determinants of smallholder farmers’ access to microfinance credits in Côte d’Ivoire specifically in the Sassandra-Marahoué District. The results of this study will serve as a guide for MFIs for improving smallholder farmers’ access to credit.

Factors Influencing Funder Loyalty to Microfinance Institutions

2009 ◽  
Vol 39 (2) ◽  
pp. 302-320 ◽  
Author(s):  
Begoña Gutiérrez-Nieto ◽  
Carlos Serrano-Cinca
Keyword(s):  
Microfinance Institutions ◽  
Factors Influencing

scholarly journals Promises and pitfalls of digital credit: Empirical evidence from Kenya

PLoS ONE ◽  
2021 ◽  
Vol 16 (7) ◽  
pp. e0255215
Author(s):  
Constantin Johnen ◽  
Martin Parlasca ◽  
Oliver Mußhoff
Keyword(s):  
Developing Countries ◽  
Empirical Evidence ◽  
Empirical Research ◽  
Credit Markets ◽  
Credit Market ◽  
Credit Access ◽  
Representative Data ◽  
Recent Innovation ◽  
Default Rates

Digital credit is a recent innovation that raises hopes of improving credit access in developing countries. However, up until now, empirical research on the extent to which digital credit actually reaches people who are otherwise excluded from conventional credit markets and whether increased credit access is sustainable or threatened by high default and blacklisting rates is very scarce. Using representative data from Kenya, this article shows that digital credit increases borrowing opportunities, including for people less likely to otherwise have credit access in the conventional credit markets. However, we find that digital credit borrowing is also responsible for 90% of all blacklistings, which is partially driven by higher default rates in the digital credit market but also by a higher probability that digital credit defaults lead to blacklisting of the borrower, compared to defaults in other credit markets.

scholarly journals Effects of Social Capital on Credit Access of Farming Households In Vietnam

2014 ◽  
Vol 220 ◽  
pp. 02-18
Author(s):  
HOÀI NGUYỄN TRỌNG ◽  
Bảo Trần Quang
Keyword(s):  
Social Capital ◽  
Logistic Regression ◽  
Rural Areas ◽  
Regression Models ◽  
Multinomial Logistic Regression ◽  
Credit Market ◽  
Influential Factor ◽  
Credit Access ◽  
Logistic Regression Models ◽  
Farming Households

Social capital is considered as an influential factor in economic transactions, including credit access. The research aims at testing relationships between components of social capital and credit access in Vietnam’s rural areas. The testing is conducted with binary logistic and multinomial logistic regression models. The results show that formal social network reduces possibility of getting access to formal credit, and households with wider formal social networks are likelier to belong to the group with access to semi-formal credit than the group with access to formal credit. Such conflicting results may come from specific characteristics of credit market in Vietnam’s rural areas.

Coordination of American Security Policy at the United Nations

1948 ◽  
Vol 2 (3) ◽  
pp. 469-477
Author(s):  
Donald C. Blaisdell
Keyword(s):  
United Nations ◽  
Security Policy ◽  
Political Representation ◽  
Geographical Area ◽  
Armed Forces ◽  
International Organization ◽  
Military Policy ◽  
Factors Influencing ◽  
The United Nations ◽  
United Nations Charter

The articles of the United Nations Charter providing for the establishment of a Military Staff Committee and looking forward to provision for armed forces, assistance and facilities by Members introduced for many states new and perplexing problems in their relations to international organization. While it is true that military considerations are normally one of the factors influencing the formulation of the foreign policy of every state, never before has there existed one central international organization to which it was expected that all major political problems would be submitted, regardless of origin and regardless of the geographical area concerned. Coordination of military policy with political representation under these circumstances becomes, therefore, not a matter of the occasional conference at a given moment of international tension, but, instead, requires a day-to-day ìntegration in order to achieve both consistency and effectiveness.

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