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Author: F. J. A. Bouman Publisher: Routledge ISBN: 0429710887 Category : Political Science Languages : en Pages : 377
Book Description
The past few decades have seen special and changing emphasis in policy frameworks of rural financial intermediation in developing countries, varying from the distribution of cheap credit via specialized farm credit institutions, to the building of linkages between banks and savings groups, to attempts to use traders or NGOs as new conduits of lending. The destructive impact of cheap credit programs on rural financial markets has been the subject of two conferences organized by the Ohio State University in the USA in 1976 and 1981, in conjunction with the Agency for International Development and the World Bank. They resulted in a collection of readings edited by J.D. Von Pischke, Dale W Adams and Gordon Donald, Rural Financial Markets in Developing Countries (Baltimore: Johns Hopkins Press 1983), followed by Undermining Rural Development With Cheap Credit, edited by Dale W Adams, Douglas H. Graham and J.D. Von Pischke (Boulder: Westview Press 1984). Acknowledging the increasing interest of researchers and policymakers in the roles and uses of informal financial intermediaries, the Ohio State University subsequently organized a Seminar in Washington, D.C., in 1989 that produced Informal Finance in LowIncome Countries, edited by Dale W Adams and Delbert A. Fitchett (Boulder: Westview Press 1992).
Author: F. J. A. Bouman Publisher: Routledge ISBN: 0429710887 Category : Political Science Languages : en Pages : 377
Book Description
The past few decades have seen special and changing emphasis in policy frameworks of rural financial intermediation in developing countries, varying from the distribution of cheap credit via specialized farm credit institutions, to the building of linkages between banks and savings groups, to attempts to use traders or NGOs as new conduits of lending. The destructive impact of cheap credit programs on rural financial markets has been the subject of two conferences organized by the Ohio State University in the USA in 1976 and 1981, in conjunction with the Agency for International Development and the World Bank. They resulted in a collection of readings edited by J.D. Von Pischke, Dale W Adams and Gordon Donald, Rural Financial Markets in Developing Countries (Baltimore: Johns Hopkins Press 1983), followed by Undermining Rural Development With Cheap Credit, edited by Dale W Adams, Douglas H. Graham and J.D. Von Pischke (Boulder: Westview Press 1984). Acknowledging the increasing interest of researchers and policymakers in the roles and uses of informal financial intermediaries, the Ohio State University subsequently organized a Seminar in Washington, D.C., in 1989 that produced Informal Finance in LowIncome Countries, edited by Dale W Adams and Delbert A. Fitchett (Boulder: Westview Press 1992).
Author: F. J. A. Bouman Publisher: ISBN: 9780367009038 Category : Finance Languages : en Pages : 428
Book Description
The past few decades have seen special and changing emphasis in policy frameworks of rural financial intermediation in developing countries, varying from the distribution of cheap credit via specialized farm credit institutions, to the building of linkages between banks and savings groups, to attempts to use traders or NGOs as new conduits of lending. The destructive impact of cheap credit programs on rural financial markets has been the subject of two conferences organized by the Ohio State University in the USA in 1976 and 1981, in conjunction with the Agency for International Development and the World Bank. They resulted in a collection of readings edited by J.D. Von Pischke, Dale W Adams and Gordon Donald, Rural Financial Markets in Developing Countries (Baltimore: Johns Hopkins Press 1983), followed by Undermining Rural Development With Cheap Credit, edited by Dale W Adams, Douglas H. Graham and J.D. Von Pischke (Boulder: Westview Press 1984). Acknowledging the increasing interest of researchers and policymakers in the roles and uses of informal financial intermediaries, the Ohio State University subsequently organized a Seminar in Washington, D.C., in 1989 that produced Informal Finance in LowIncome Countries, edited by Dale W Adams and Delbert A. Fitchett (Boulder: Westview Press 1992).
Author: Erik Bähre Publisher: BRILL ISBN: 9004157263 Category : Social Science Languages : en Pages : 204
Book Description
This ethnography reveals how, faced with violence, economic insecurity, and volatile relations, Xhosa migrants in Cape Town, South Africa, establish burial societies and credit groups. It examines the urban poor's day-to-day struggles over money in post-apartheid South Africa.
Author: Mwangi S. Kimenyi Publisher: Routledge ISBN: 0429791364 Category : Business & Economics Languages : en Pages : 243
Book Description
First published in 1998, this collection of essays by eminent microfinance practitioners provides a range of perspectives on contemporary issues in the field. Different approaches are proposed for achieving improved access by the poor to financial services. The common denominator in these essays is financial sustainability for the service provider. Issues addressed include: is savings mobilization integral to microfinance and, if so, how should it be incorporated in new programs? Are borrower groups a necessary element of successful microfinance programs? Are NGOs the right institutional vehicle for sustainable microfinance interventions? Is standardized and generalizable microfinance credit rating system feasible? While there is considerable diversity in the approaches recommended in these essays, the importance of cost efficiency and cost recovery forms the basis for most of the discussions.
Author: R. H. Schmidt Publisher: John Wiley & Sons ISBN: 3527508023 Category : Business & Economics Languages : en Pages : 392
Book Description
Once praised as a panacea to overcome poverty microfinance has had to face harsh criticism because of painful failures and unfulfilled expectations. Still many people in particular in rural regions do not have any access to formal financial services, many microfinance institutions are weak, and others rather exploit their clients driving them into over indebtedness than helping them out of poverty. What should microfinance achieve? Can it help to build up inclusive financial systems allowing access to basic financial services for everybody? The historic templates for this book are the German Sparkassen and Cooperative banks that have a strong track record of development and growth spanning over 200 years. For obvious reasons their results cannot be transferred directly into specific solution options to today's challenges in developing countries. Nevertheless the coming into existence of Sparkassen and Cooperative banks can well be seen as part of a period of revolutionary developments in the European economic and social landscape, which can be viewed as analogous to the transformation that emerging economies are undergoing today. While Europe faced dramatically changing living conditions during the period of industrialization these newly creatd banks made change possible by unequivocally including the lower class population in the transformationby providing access to savings and loans. And it is this is parallel - even in the face of the many differences - which is why their development and success deserves careful consideration today. The authors' approach differsfrom other explorations by specifically adopting an interdisciplinary strategy. They take into account past developments as well as current global ones from a historical, social science and economic point of view. Analysis and the interpretation of data is supported by case studies to illustrate their considerations. The authors identify general parameters both for failure and for success and also indicate how to optimize existing potentials - both for institutions and policy makers. As a result of this interdisciplinary work the authors advance an inclusive stylised facts based model. The will to build up institutions, to adhere to corporate social responsibility and creating conducive legal frameworks form the basic conditions for success. More specifically, the guiding principles of these successful business models are a fair savings and credit policy, the promotion of capital transfers without reference to class and gender, a focus on business activities in a well defined region, decentralized organizational structures combined with national networks which avoid regional capital drains and the securing of economies of scale and scope. Llast but not least is the centrality of objectives beyond that of the sheer maximisation of profits.
Author: Hotze Lont Publisher: BRILL ISBN: 9004488421 Category : Social Science Languages : en Pages : 306
Book Description
This social-anthropological study, focusing on urban Indonesia, examines a variety of financial self-help organizations (arisan and simpan pinjam) as instruments for dealing with financial difficulties related to illness, death, and unemployment. The author devotes ample attention to the embedding of these associations, and their participants, in a changing socio-economic and cultural environment, and to the important issues of agency, exclusion, trust, and social conflict. The book not only explains the workings of these fascinating collective arrangements, but also provides an interesting window on living conditions and social relations in an Indonesian urban community.
Author: Juliette Koning Publisher: BRILL ISBN: 904741148X Category : Social Science Languages : en Pages : 235
Book Description
In this volume, anthropologists and sociologists address the issue of changing forms of local social security in Indonesia, pointing to increasingly exclusivist tendencies that leave the poor and weak out. It provides rich data from cases studies in urban and rural Java.
Author: Gihan Adam Abdalla Publisher: LIT Verlag Münster ISBN: 3643904037 Category : Business & Economics Languages : en Pages : 241
Book Description
This book started with a vision to portray Sudanese rural livelihood and question whether microfinance is able to sustain rural living. The village of Al Dagag, in the North Kordofan state of Sudan, was chosen to be the research case study. However, further questions arose due to using the inductive methodology of Grounded Theory. Throughout the entire research process, different categories emerged from the data, which conceptualize the perspective of the rural people on livelihood, microfinance, and financial institutions. The path to remodel the livelihood approach led to including new determinants. (Series: Spectrum. Berlin Series on Society, Economy and Policy in Developing Countries / Spektrum. Berliner Reihe zu Gesellschaft, Wirtschaft und Politik in Entwicklungslandern - Vol. 108)
Author: Kavita Datta Publisher: Routledge ISBN: 1134692331 Category : Science Languages : en Pages : 318
Book Description
This book explores the linkages between formal and informal housing finance drawing upon the lessons of NGO and micro-finance practices. Both public and private formal finance institutions have experienced great difficulty in lending below a middle-income client group, and are often reluctant to lend for the purpose of housing at all. This failure of formal finance to filter down to low-income households, and in particular to women, has led various NGOs and community groups to create and adopt innovative finance programmes, such as informal savings banks and credit rotating schemes. The authors critically assess the impact of theses schemes, and evaluate links between gender, housing and finance.
Author: Herman D. van Schalkwyk Publisher: Springer Science & Business Media ISBN: 9086861687 Category : Science Languages : en Pages : 268
Book Description
This book assesses the institutional, technical and market constraints as well as opportunities for smallholders, notably, emerging farmers in disadvantaged areas such as the former homelands of South Africa. Emerging farmers are previously disadvantaged black people who started or will start their business with the support of special government programs. Public support programs have been developed as part of the Black Economic Empowerment strategy of the South African government. These programs aim to improve the performance of emerging farmers. This requires, first and foremost, upgrading the emerging farmers skills by providing access to knowledge about agricultural and entrepreneurial practices. To become or to remain good farmers they also need access to suitable agricultural land and sufficient water for irrigation and for feeding their cattle. Finally, for emerging farmers to be engaged in viable farming operations, various factors need to be in place such as marketing and service institutions to give credit for agricultural inputs and investments; input markets for farm machinery, farm implements, fertilizers and quality seeds; and accessible output markets for their end products. This book develops a policy framework and potential institutional responses to unlock the relevant markets for smallholders.
Author: F. J. A. Bouman
Author: F. J. A. Bouman
Author: F. J. A. Bouman
Author: Erik Bähre
Author: Mwangi S. Kimenyi
Author: R. H. Schmidt
Author: Hotze Lont
Author: Juliette Koning
Author: Gihan Adam Abdalla
Author: Kavita Datta
Author: Herman D. van Schalkwyk