Microfinance, Livelihoods and Poverty Reduction in Ghana PDF Download
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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: Aaron Alesane
Publisher: Taylor & Francis
ISBN: 1000828735
Category : Business & Economics
Languages : en
Pages : 407
Get Book Here
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: Aaron Alesane
Publisher:
ISBN:
Category :
Languages : en
Pages :
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Book Description
Author: Aaron Alesane
Publisher: Taylor & Francis
ISBN: 1000828751
Category : Business & Economics
Languages : en
Pages : 435
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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: Joseph Kimos Adjei
Publisher:
ISBN: 9789988136222
Category : Economic assistance, Domestic
Languages : en
Pages : 211
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Book Description
Author: Kruijssen, F.; Asare, C.
Publisher: WorldFish
ISBN:
Category :
Languages : en
Pages : 43
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Book Description
Author: Victor Yawo Atiase
Publisher:
ISBN:
Category : Borrowing
Languages : en
Pages : 594
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Book Description
Although Africa has experienced encouraging economic growth over the past decade, the livelihood and living conditions of most on the continent does not reflect this trend. Ghana is no exception. Even though Ghana has made modest gains in economic growth and productivity, livelihoods, unemployment, diseases and above all the number one enemy poverty among the Ghanaian population continue to soar above acceptable limits. In most developing countries like Ghana, microfinancing the poor for them to engage in entrepreneurial activity has been used to fight this number one enemy, poverty. To protect their investment, microfinance institutions (MFIs) apply credit risk management. Although credit risk management is essential to safeguarding the credit portfolio, deposits and improve loan recovery, it is essential that MFIs adopt pro-poor credit risk management practices in order to provide access to entrepreneurial finance to these ‘bottom of the ladder’ who are often marginalised from access to finance from mainstream banks. The problem is that, when credit risk management practices are too stringent, it creates the potential of denying the poor access to entrepreneurial finance, with consequences for poverty reduction. In fact, some commentators strongly suggest that financing the poor to engage in entrepreneurial activity is hampered by less than pro-poor credit risk management practices of lending institutions. This assertion has yet to be tested on MFIs in the developing country context including Ghana where microcredit has become a flourishing business. A knowledge gap therefore exists insofar as the impact of credit risk management practices on poverty alleviation through microfinancing the poor to engage in entrepreneurship is concerned. To bridge this gap, this study investigated the microfinance credit risk management practices of MFIs operating in the Greater-Accra Region of Ghana to assess the extent to which such practices hinder the poor from accessing entrepreneurial finance and impact thereof on poverty alleviation/ reduction. In the study, the Greater Accra Region is used as a test case for Ghana by involving respondents from purposefully selected 141 MFIs in the region comprising of 378 officers of MFIs and 1,235 MFI loan beneficiaries. The results reveal that stringent credit risk management practices exist among MFIs. It was also found that most of the poor who are willing to engage in entrepreneurship are unable to obtain finance due to credit risk management practices that they perceive as are too stringent. Furthermore, it was found that MFIs that adopt pro-poor credit risk management practices attract more poor clients, and such clients become successful in their businesses. Based on the above and other findings, recommendations are made which if carefully implemented can make microcredit risk management pro-poor, while minimising credit risk for MFIs. Recommendations are also made for further research.
Author: Dr Esayas Bekele Geleta
Publisher: Ashgate Publishing, Ltd.
ISBN: 1472429206
Category : Business & Economics
Languages : en
Pages : 153
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Book Description
Making a unique contribution to our further understanding of the microfinance industry this book shows that, in some cases, microfinance can result in the disintegration of pre-existing relationships and in the disruption and destruction of the livelihoods of the poor. Exploring the impact of microfinance in one of the poorest regions of sub-Saharan Africa this book demonstrates its potential and problems and shows the complex and contradictory social and cultural environments in which projects are often located.
Author: Irene Banda Mutalima
Publisher:
ISBN: 9781914454516
Category :
Languages : en
Pages : 0
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Book Description
Author: Linda Mayoux
Publisher:
ISBN: 9781898776321
Category : Community development, Urban
Languages : en
Pages : 28
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Book Description
Author: Susan Johnson
Publisher: Oxfam
ISBN: 9780855983697
Category : Business & Economics
Languages : en
Pages : 148
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Book Description
The book emphasizes the importance of studying the local context, and then considering the macroeconomic factors which may be operating upon the economy of a particular country. Five extended case studies, in the Gambia, Ecuador, Mexico, Pakistan, and the UK are examined with reference to further aspects of sustainability and impact assessment.
