Search results for "Microcredit"

Another "French paradox": explaining why interest rates to microenterprises dit not increase with the change in French usury legislation

2015

Conventional wisdom indicates that the growth of credit may not materialize if credit rates remain capped by usury laws, as had long been the case in France. France therefore abolished usury ceilings on loans to microenterprise in an effort to increase financing for microentrepreneurs. This should have led to an increase in interest rates and increase in microcredit. However, we do not find any increase in interest rates and this is therefore a paradox. The paper provides a brief literature review and the salient features of the legislative changes in France. It follows this up with a presentation of interest rate movements. The discussion of possible explanations of the paradox includes cl…

AGRICULTURAL MICROCREDIT IN COTE D’IVOIRE

El microcrédito como instrumento de empoderamiento y de lucha contra la pobreza de la mujer: el caso de la mujer senegalesa de Ziguinchor.

2014

El presente trabajo presenta el panorama socioeconómico de la región senegalesa de Ziguinchor y aborda los retos de empoderamiento de las mujeres y la reducción de la pobreza a través de la concesión de microcréditos. Para ello se han realizado entrevistas en profundidad a mujeres de escasos recursos económicos beneficiarias de un programa nacional de microcrédito. El trabajo se apoya también en diversos estudios e investigaciones que tratan la cuestión. La hipótesis de partida es que el microcrédito permite a las mujeres adquirir recursos económicos que les ayuda a sacar a sus familias de la pobreza y favorece su empoderamiento. This paper presents the socioeconomic landscape of the Senega…

Do microfinance institutions benefit from integrating financial and nonfinancial services?

2017

This article examines the impact of microfinance ‘plus’ (i.e. coordinated combination of financial and nonfinancial services) on the performance of microfinance institutions (MFIs). Using a global data set of MFIs in 77 countries, we find that the provision of nonfinancial services does not harm nor improve MFIs’ financial sustainability and efficiency. The results however suggest that the provision of social services is associated with improved loan quality and greater depth of outreach.

FORI (TRAINING FOR INCLUSION): DIRECT LINE TO SCIENCE

2021

FORi (Training For Inclusion) is a project proposal of the University of Palermo aimed at implementing an innovative, dynamic and technological training idea in order to increase inclusion. The professional skills training target are support teachers for pupils with SEN (Special Education Needs); university students attending degree courses preparatory to teaching; teachers and educators. The services and products offered are based on recent research and studies by “Disabilities Studies”. Disability studies is an academic discipline that examines the meaning, nature, and consequences of disability. The project focus is an updated and innovative training that aims at the well-being of the pe…

Microcredit as a tool for combating financial exclusion in Italy: the differences on a regional and local level

2016

This paper proposes a mapping of microcredit (social and productive) in the period from 2005 to 2013 in three main Italian regions. Later we offer a description of the micro-credit initiatives promoted by cooperative credit banks trying to take advantage of any differences in the initiatives promoted by other types of operators in terms of default rates of loans. The differences will be commented on the basis of the distinctive features of this category of these relationship banks in order to identify a possible way of development of microcredit in Italy

UN FOCUS SUL MICROCREDITO SOCIALE E IMPRENDITORIALE IN ITALIA NELL'ULTIMO DECENNIO

2015

In questo capitolo si propone un’analisi delle due tipologie di microcredito che nel presente Rapporto sono state definite come microcredito sociale e microcredito imprenditoriale/produttivo, con riferimento all’evoluzione nel periodo 2005-20132 e con attenzione alla differenziazione territoriale.

Microcredit, Regional Programs and Credit Guarantees in Italy

2019

This work proposes an analysis of microcredit initiatives analyzed at the territorial level. The differences are analyzed on the basis of distinctive features to identify different ways to develop microcredit in Italy. An empirical analysis is also carried out to verify the existence of a statistically significant correlation between the characteristics of entrepreneurial microcredit programs and their default risk. The presence of credit guarantee systems and the role of bank intermediaries as promoters significantly mitigate the risk of default on these initiatives. Regional microcredit programs do not show significant territorial differences in terms of credit guarantees.

The Role of Guarantees in support of Entrepreneurial Microcredit in Italy.

2016

This paper proposes an empirical analysis of the microcredit initiatives promoted by local and cooperative credit banks trying to take advantage of any differences in the initiatives promoted by other types of operators in terms of default rates of loans. The differences are analyzed on the basis of distinctive features to identify a possible way of developing microcredit in Italy. The empirical analysis verifies the existence of a statically significant correlation between characteristics of the entrepreneurial microcredit programs and their default risk. The presence of credit guarantee schemes and the role of banking intermediaries as promoters reduce significantly the risk of default on…

Microcredit and Social Business as Prospective New Sources for Consumption in Times of Crisis

2018

International audience