Search results for "microcredit"
showing 10 items of 19 documents
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.
Miniaturizzazione del credito: la microfinanza
2012
’economia dei flussi di cassa è il Leitmotiv di questi anni, e il denaro condiziona i comportamenti individuali e collettivi. Economie tradizionalmente solide entrano in crisi se non riscuotono la fiducia dei mercati, e le famiglie, come le imprese, difficilmente riescono a programmare il proprio futuro senza le risorse finanziarie occorrenti per le proprie attività. Nel complesso periodo che stiamo vivendo, è opinione diffusa che l’uscita dalla crisi economica derivi da cambiamenti epocali nell’organizzazione dei sistemi produttivi e finanziari nonché negli stili di vita, rivisitando il significato stesso di sviluppo economico. In tale contesto la marginalità finanziaria, intesa come vanta…
Capacità e creatività contro emarginazione e usura: il microcredito in Sicilia
2012
Il sistema di offerta delle organizzazioni di microfinanza nei paesi in via di sviluppo: una prospettiva di sostenibilità economico-finanziaria
2007
Microfinance has evolved as an economic development approach intended to benefit low-income people. The term refers to the provision of financial services to low-income clients. The first section of this paper describes the role of microfinance sustainability as a necessary precondition for the stability and permanence of the financial system. Sustainable microfinance models demonstrate that formal institutions can deliver services profitably at the local level, challenging the assumption that subsidies are required for microfinance in developing countries. The second section aims to analyse the categories of products and services provided by microfinance institutions. A commercial approach…
The use of microfinance services among economically active disabled people: Evidence from Uganda
2010
Authors version of an article in the journal: Journal of International Development. Also available from the publisher at: http://dx.doi.org/10.1002/jid.1720 This study investigates the use of microfinance services among economically active disabled people in Uganda. The findings suggest that disabled people make more use of microfinance services than previously assumed. A total of 89 per cent of the survey's respondents state that they have used at least one type of microfinance service. Informal self-help schemes are more easily accessed than formal institutional schemes, and disabled people access more savings than loans. The multivariate analysis shows that access to microfinance service…
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
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…
Il microcredito
2016
Quello attuale è senza alcun dubbio il tempo dei contratti bancari. Negli ultimi anni alle tradizionali figure regolate dal codice civile se ne sono aggiunte di nuove, quali, su tutti: il prestito vitalizio ipotecario, il microcredito, il contratto di locazione finanziaria per l'acquisto di beni immobili da adibire ad abitazione principale (ed. leasing abitativo). A ciò si aggiunga che, sotto lo stimolo del legislatore europeo, tipi contrattuali tradizionali hanno ricevuto una rinnovata e assai articolata disciplina. Il caso più emblematico è costituito, ovviamente, dal mutuo, modificato dalla direttiva 2014/17/UE (ed. mortgage credit directive), di recente attuazione nell'ordinamento itali…
Microcredit and Social Business as Prospective New Sources for Consumption in Times of Crisis
2018
International audience