论文标题
微观学分对客户生计的影响 - 对Sunamganj地区的研究
Impact of micro-credit on the livelihoods of clients -- A study on Sunamganj District
论文作者
论文摘要
本文的目的是评估微信用对孟加拉国Sylhet Sunamganj区海尔地区客户生计的影响。该研究的主要发现是，借款人的66.2％的受访者和98.7个非借款人是家庭负责人，平均76.6％，借款人中有32％是丈夫/妻子，而非借款人的1.3％，平均22.2。就性别而言，有64.7％的借款人和92.5％的非借款人是男性，而35.3％的借款人和7.5％的非借款人是女性。微观学分对基于DID方法的正式和非正式信贷接收家庭的影响表明，总收入，总支出和投资已增加13.57％，10.39％和26.17％。除债务减少了2.39％外，总收入的所有要素都增加了。但是债务的减少是债务积极影响的好兆头。食物的消费量已增加，但非食品的消费量已减少。除某些因素外，所有投资的要素都增加了。由于投资过剩的增加，节省的储蓄已减少。该研究表明，要通过微观学分打破贫困的恶性循环，贷款持续时间应至少五年，贷款量必须至少为500,000，并且还款应不小于月。利率不应超过5％。
The objective of this paper is to assess the impact of micro credit on the livelihoods of the clients in the haor area of Sunamganj district, Sylhet, Bangladesh. The major findings of the study are that 66.2 percent respondents of borrowers and 98.7 non-borrowers are head of the family and an average 76.6 percent and among the borrowers 32 percent is husband/wife while 1.3 percent of non-borrowers and on average 22.2. In terms of sex 64.7 percent of borrowers and 92.5 percent of non-borrowers are male while 35.3 percent of borrowers and 7.5 percent of non-borrowers are female. The impact of micro-credit in terms of formal and informal credit receiving households based on DID method showed that total income, total expenditure and investment have been increased 13.57 percent, 10.39 percent and 26.17 percent. All the elements of total income have been increased except debt which has been decreased by 2.39 percent. But the decrease in debt is the good sign of positive impact of debt. Consumption of food has been increased but non-food has been decreased. All the elements of investment have been increased except some factors. The savings has been decreased due excess increase in investment. The study suggested that for breaking vicious cycle of poverty by micro-credit the duration of loans should be at least five year and the volume of loans must be minimum 500,000 and repayment should at not be less than monthly. The rate of interest should not be more than 5 percent.
