留学生小额融资机构分析论文
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:21342
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。
库马西的一些小额融资机构
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。其研究显示,仅在2007年财政年度,GCSL和FASL支付了超过GH¢54846273 .00, 通过储蓄动员贷款给中小企业GH¢197675 .00。为了开展对其他更多的客户贷款业务,在 新塔福, 班塔马,Tanoso和Adum已经开设了其他的分支机构。在评估小额信贷机构对减少贫困的影响方面,其答案是积极的,大约85%的受访者指出他们能够使用某些迄今为止他们很难使用的设施。当GPRS I (2000)度量标准设置后,每周的收入都有相当大的增加,这个标准规定所有每年收入不到GH90.00的都归于贫穷水平。除了货币指标,受访者也能够满足一些属于贫困的社会指标。
关键词:加纳、小额融资、GPRS、减贫、中小企业。
Some Selected Micro Financing Institutions In Kumasi Economics essay
This study sought to investigate into the roles being played by MFIs as far the operation of SMEs are concern in Ghana particularly in Kumasi, the commercial hub of Ghana. We used questionnaires and interviews to collect data from 66 respondents. From the research it was revealed that during the 2007 fiscal year alone, GCSL and FASL paid over GH¢54,846,273.00 as loans to SMEs as against GH¢197,675.00 mobilized through savings. In other to reach out to more customers, additional branches have been opened in new Tafo, Bantama, Tanoso and Adum. In assessing the impact of MFIs on poverty reduction, it was established that there has been a positive impact with about 85% of those interviewed admitting they are able to access certain facilities that hitherto they found difficult. The income earnings has considerable increased per week as against the standard of measurement set in the GPRS I (2000), which recognizes all earners of income less than GH90.00 per annum to be poor. Aside the monetary indicators, respondents are also able to meet some of the social indicators of poverty.
Key words: Ghana, Micro Financing, GPRS, Poverty Reduction, SMEs.
1. 0 Introduction
Poverty within Sub-Saharan Africa can be described as a multi-dimensional problem primarily manifested by factors such as low literacy levels, limited access to resources, health and education services, and high levels of unemployment among the productive population. It can also be described in terms of lack of adequate incomes to meet the basic needs of the poor, vulnerable and powerless people. Poverty is complex in nature and scope and therefore requires multifaceted solutions. There is no single guaranteed
strategy or approach to solving the problems associated with poverty.
The Danish International Development Agency admits and therefore outlines that one of the important dimensions along which to study and assess the impact of development interventions is the extent to which they contribute to poverty reduction, or in other words how they enhance the well-being of the poor. This is what most poor people strive after; it is central to the development concerns of many developing countries, and it has increasingly become the overarching objective of many development agencies (Danida, 1996).
The World Bank in its bid to define poverty in its 2006 reports says “Poverty is hunger. Poverty is lack of shelter. Poverty is being sick and not being able to see a doctor. Poverty is not having access to school and not knowing how to read. Poverty is not having a job, is fear for the future, living one day at a time. Poverty is losing a child to illness brought about by unclean water. Poverty is powerlessness, lack of representation and freedom. Poverty has many faces, changing from place to place and across time, and h
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