State-Sponsored Microcredit and Enterprise Outcomes in Ghana PDF Download
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Author: Richard Boso
Publisher:
ISBN:
Category :
Languages : en
Pages : 0
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Book Description
Microfinance plays an important role in the anti-poverty strategy of many countries, and many have parastatal enterprises providing group loans. It is, to date, unclear whether state-sponsored microfinance plays the same role as the one provided by the private and non-governmental sector. We study a parastatal microlender of Ghana that offers joint liability loans to microenterprises. We highlight several differences with regular microfinance: subsidized interest rates, slow disbursement, low repayment rates, and interactions between borrowers and political operatives. We then study the impact of loans on microenterprise outcomes six to ten months after borrowing, by leveraging an unexpected lending freeze which caused some borrowers to not be able to obtain a loan they qualified for. Entrepreneurs receiving credit had higher profits. The effects are driven by borrowers whose applications were not endorsed by political party operatives.
Author: Richard Boso
Publisher:
ISBN:
Category :
Languages : en
Pages : 0
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Book Description
Microfinance plays an important role in the anti-poverty strategy of many countries, and many have parastatal enterprises providing group loans. It is, to date, unclear whether state-sponsored microfinance plays the same role as the one provided by the private and non-governmental sector. We study a parastatal microlender of Ghana that offers joint liability loans to microenterprises. We highlight several differences with regular microfinance: subsidized interest rates, slow disbursement, low repayment rates, and interactions between borrowers and political operatives. We then study the impact of loans on microenterprise outcomes six to ten months after borrowing, by leveraging an unexpected lending freeze which caused some borrowers to not be able to obtain a loan they qualified for. Entrepreneurs receiving credit had higher profits. The effects are driven by borrowers whose applications were not endorsed by political party operatives.
Author: Yahaya Alhassan
Publisher: Business Science Reference
ISBN: 9781799874997
Category : Business & Economics
Languages : en
Pages : 408
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Book Description
"This book offers great insight into theoretical, policy-oriented and practical ways to address some of the challenges of using microfinance for sustainable development in Africa"--
Author: Roland Azibo Balgah
Publisher: Cambridge Scholars Publishing
ISBN: 1527562522
Category : Social Science
Languages : en
Pages : 435
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Book Description
The discussion on the role of the state and non-state actors in the improvement of livelihoods in Sub-Saharan Africa (SSA), where economic and social development is slowest, has been characterized by a disjoint between theory and empirical research. This volume sets out to revisit this question by examining the place of the two types of actors in the development process, and the increasing influence of public-private partnerships in livelihood outcomes. The book combines theoretical reflections and empirical studies on a wide variety of initiatives in several domains that seek to improve wellbeing and livelihoods, with a focus on the Sub-Saharan country of Cameroon. The book will provide insights on an area which has been both neglected with the rise of neo-liberalism, and also revived by the recent introduction of the global development goals.
Author: Management Association, Information Resources
Publisher: IGI Global
ISBN: 1668475537
Category : Business & Economics
Languages : en
Pages : 711
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Book Description
Microfinance has emerged as a growing field as more businesses discover the benefits and opportunities it provides. To ensure that microfinance is utilized appropriately, further study on the best practices and difficulties is required. The Research Anthology on Microfinance Services and Roles in Social Progress considers the ways in which microfinance can be utilized to achieve social progress as well as the challenges and opportunities of this area. Covering key topics such as income, small businesses, entrepreneurship, and credit, this major reference work is ideal for industry professionals, government officials, computer scientists, entrepreneurs, business owners, managers, policymakers, researchers, scholars, practitioners, instructors, and students.
Author: Aaron Alesane
Publisher: Taylor & Francis
ISBN: 1000828735
Category : Business & Economics
Languages : en
Pages : 407
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Book Description
This book assesses the role of microfinance in the construction of livelihoods for poverty reduction in the Northern Savannah of Ghana, analysing the current microfinance landscape and financial services in the region. The book analyses the current microfinance landscape and financial services in Ghana. In doing so, it demonstrates the key factors for designing microfinance products and services to ensure greater uptake and outreach enhancing the sustainability of microfinance service providers. Chapters explore the impact of access to microfinance on livelihood diversification, asset accumulation patterns and welfare outcomes. In addition to assessing the role as well as of microfinance as an anti-poverty tool, the book presents new theoretical frameworks and models, including the microfinance livelisystem framework (MFL). This unique framework, which combines and goes beyond existing frameworks, situates the microfinance industry within national and international financial and economic ecosystems and presents the interrelationships between institutions providing services for the construction of livelihoods. Offering new theoretical frameworks and models developed for the microfinance industry with universal application, this book will be of particular use to students and scholars of Development Studies, Development Finance, Poverty and Inequality Studies, Rural Development and Sustainable Finance.
Author: S. Rajagopalan
Publisher:
ISBN:
Category : Africa
Languages : en
Pages : 220
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Book Description
Africa is home to some of the poorest and vulnerable populations in the world. The ten poorest countries in the world are in Africa. Sub-Saharan Africa is the region with the highest incidence and greatest depth of poverty in the world. Fewer than one in five adults in Africa has access to the services of a formal or semi-formal financial institution. Microfinance in Africa is growing, though. A broad range of diverse institutions offer financial services to the poor and low-income clients in Africa. These include non-governmental organizations, non-banking financial institutions, cooperatives, credit unions, rural banks, Rotating Savings and Credit Associations (ROSCAs), postal financial institutions and an increasing number of commercial banks. Increasingly, technology is being used to expand microfinance outreach mobile phone banking is one such example. This book provides an overview of the microfinance sector in Africa, reviews the performance and impact of microfinance institutions in the region, and outlines some of the opportunities and challenges that African microfinance has on hand.
Author: Alhassan, Yahaya
Publisher: IGI Global
ISBN: 1799875016
Category : Business & Economics
Languages : en
Pages : 368
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Book Description
The use of microfinance for poverty reduction and economic development in the developing world is growing. However, this concept needs to be expanded to ensure its successful application for achieving longer-term economic growth and sustainability in developing countries, particularly in parts of the world such as Africa. As such, further research into the relationship between microfinance and sustainable development in developing regions is required to fully understand the opportunities for effective use of microfinance for poverty reduction and economic development. Microfinance and Sustainable Development in Africa examines the complex relationship between receipt of microfinance, poverty reduction, economic growth, and microbusiness development, focusing on the provision of small credit facilities as a driver of sustainable development in Africa. Its coverage of topics such as microbusiness, social finance, and sustainable development make this book an ideal reference source for academicians, researchers, government officials, policymakers, organizations, managers, instructors, and students.
Author: Joanna Ledgerwood
Publisher: World Bank Publications
ISBN: 0821384317
Category : Business & Economics
Languages : en
Pages : 304
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Book Description
The purpose of the 'Microfinance Handbook' is to bring together in a single source guiding principles and tools that will promote sustainable microfinance and create viable institutions.
Author: Chiranjib Neogi
Publisher: Springer
ISBN: 9811042683
Category : Business & Economics
Languages : en
Pages : 214
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Book Description
This book offers a critical perspective on the issues related to women’s empowerment, microfinance, and entrepreneurship in India. Written by distinguishing experts in this field, this book highlights women’s empowerment, which is a process of entrusting power to an individual on the control over resources and decisions. However, these two factors are less effective in a society where religion and cultural dominance is high. The book sheds light on the social security measures undertaken by the government aiming to the right to work helped women who are bounded by social restrictions. Over time there is a shift in rural occupational structure towards non-farm activities, which is largely distress driven self-employment. Access to credit is a great source to provide self-employment that develops self-esteem among women and uplift their position. The book highlights the discrimination against women entrepreneurs in access to credit led to gender biased entrepreneurial society. Association with self-help groups (SHGs) has made women more socially empowered. SHG members help them to change their life in a positive manner through micro-entrepreneurial activities. The book has emphasized on the role of microfinance, which has served the poor to become financially self-reliant. It is observed that for second generation borrowers, the impact of microfinance seems to fizzle out, where MFIs who are gaining efficiency are diverting their objective of servicing poor, signalling a sign of mission drift.
Author: Hulme David
Publisher: Routledge
ISBN: 1134803842
Category : Business & Economics
Languages : en
Pages : 244
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Book Description
In two volumes these books review and expand the theory that poverty in the world's poorest regions could be alleviated by providing small loans to micro-entrepreneurs. Volume 1 provides detailed analysis of this theory and offers policy recommendations for practitioners in this field. Volume 2 presents empirical evidence drawn from comparative experiences in seven developing countries. The work assesses the success of this policy and provides some startling conclusions. This is essential reading for all those interested in development, poverty-reduction, social welfare and finance.
