留学生小额融资机构分析论文 [9]
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:22157
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。
ancial requirement of many small and moderate sized businesses. They make capital available for other than temporary needs, helping the owner who needs funds to expand the operation but who lacks the capital resources. This type of loans enhance productivity by way of providing financial for businesses to be able to purchase machinery, equipment and other fixed assets immediately and pay for them over the life of the loan. In return, most financial institutions impose certain conditions.
Notable among them are usually the right of the lender to control major expenditures during the life of the loan and the requirement that the borrower furnish the lender with annual financial statements. In this way the business is prevented from doing anything that will undermine its chances of repaying the loan. It is also common for the loan to be backed by collaterals such as the plant and equipment the business has purchased with the loan proceeds.
Long-Term Loans
Long-term loans have duration of ten or more years. Only businesses that have been in existence for an extended period can get loans of this duration. Thus they are usually reserved for large, stable corporations. Additionally, it is common for the lenders to insist on collateral. When collateral is given in the form of a mortgage, however long-term loans also can be secured by small and intermediate-sized businesses. In situation where the business goes bankrupt, the bank can always step in, take the property and sell to recover part or the entire loan.
2.4.1 Preconditions of Micro Financing
Concept of clustering and Grouping
Financial institutions nowadays are a little bit comfortable in lending due to the concept of clustering and group. Over the past decade, one of the major policy prescriptions for SME development has centred on the benefits of clustering and the potential for small enterprises to achieve economies of scale and scope through co-operation at the local level. The considerable literature on industrial districts and small firm clusters has focused on the dynamism of small firms arising from linkages between firms within a local setting, which leads not only to economies of agglomeration, but also dense inter-firm networks and the development of local public and private institutional capabilities.
Analyses drawing principally, but by no means exclusively, on the experiences of Italian industrial districts emphasised how development based principally on small firms could provide high incomes and sustainable growth through continuous upgrading and development. Two collections of papers published by the International Institute of Labour Studies (Pyke et al. 1990; Pyke and Sengenberger 1992) brought the experience of the Italian Industrial Districts to a wider audience of policymakers concerned with developing countries. In the early 1990s, analysis and policy prescriptions for SME development based on the cluster concept were extended to developing countries.
While clusters of small and medium-sized enterprises in developing countries did not necessarily have all the characteristics attributed to the Italian industrial districts, it was certainly possible to find agglomerations of small firms, inter-firm co-operation and division of labour and local institutions that nurtured their development. The widespread application of the cluster pers
本论文由英语论文网提供整理,提供论文代写,英语论文代写,代写论文,代写英语论文,代写留学生论文,代写英文论文,留学生论文代写相关核心关键词搜索。