留学生小额融资机构分析论文 [19]
论文作者:英语论文论文属性:硕士毕业论文 dissertation登出时间:2014-10-20编辑:yangcheng点击率:22160
论文字数:11752论文编号:org201409221237211109语种:英语 English地区:马来西亚价格:免费论文
关键词:Economics Thesis小额融资中小企业融资机构
摘要:本文是研究库马西的一些小额融资机构的留学生论文,本研究旨在调查小额信贷机构在加纳,尤其加纳的商业中心,库马西的中小企业的运营中所扮演的角色。我们使用了问卷调查和访谈的方法从66名受访者那里收集到了数据。
mong other population categories the rural and urban poor, who do not have access to capital; encompass the largest proportion of the population. And for them the only productive resource is their labor. Their petty operation is constrained by loan or credit; as a result they resort to alternative resources of credit. In this context getting out of poverty trap requires outside intervention. Therefore, microfinance can be viewed in terms of ability to help to break away from the poverty trap, justifying the need for micro financing.
Having been proven by this research on the performance of these MFIs over the past couple of years as is evident in the research findings, one could say its emergence has had a significant change on the fore-front of micro-financing in the country. However, the feet chalked by these MFIs should not be seen as an end in itself but rather a means to a greater success. Governments’ interventions to these MFIs should be increased to ensure that the coverage of these MFIs crosses the boundaries of the current. The interest rates should be reviewed and to making these institutions lucrative. Informal financial intermediation has a varying importance in fulfilling the needs of the poor, and the volume of the transactions undertaken succeeds that of the formal financial institutions. Those financial services of the informal sector have a potential to channel micro credit to lower social strata of the population. By creating employment opportunities for many program participants, the credit scheme has contributed positively to arise in household income. In addition, the credit scheme has led to the positive outcome in the area of improving the nutritional status of households in kind and in monetary term. The financial service sector in Ghana is not well developed. Some of the major problems in the Ghanaian financial service sectors are low level of human resources in banking, insurance and micro finance sector that makes things slow and inefficient, the supervision and regulation by the authorized body is below international level, entry to financial sector is relatively slow resulting in gradualism, high geographical concentration of the banks in Accra and major capital cities, small number of financial houses, leasing companies, venture capital funds, stock and corporate bond market, mutual funds, unit trusts, lack of micro finance on the sustainable basis, supervisory capacity of Bank of Ghana is still inadequate, inefficiency and competition in the banking system is low. This shows that there is a long way for the finance system to provide financial services for the poor.
6.3 Recommendations
The following are recommendations for improving micro finance intervention towards poverty reduction in Ghana. They are distilled primarily from the findings of this study.
Recommendations of Objective 1
When designing a micro finance intervention, attention should be given to the financial institutions and the likelihood that needed. Economic and financial sector reforms should be implemented in order to ensure adequate institutional framework.
Governments as part of its role of ensuring that an enabling environment is created should come out with a practical reserve required by emerging MFIs to assume operations. The existing
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