(3.235.245.219) 您好!臺灣時間:2021/05/10 01:49
字體大小: 字級放大   字級縮小   預設字形  
回查詢結果

詳目顯示:::

: 
twitterline
研究生:鄧亞斯
研究生(外文):Dmitrienko Arseniy
論文名稱:Econometric Evaluation of the Microcredit System – the BRIC Evidence
論文名稱(外文):Econometric Evaluation of the Microcredit System – the BRIC Evidence
指導教授:蕭文姃蕭文姃引用關係
指導教授(外文):作者未提供
學位類別:碩士
校院名稱:銘傳大學
系所名稱:企業管理學系碩士班
學門:商業及管理學門
學類:企業管理學類
論文種類:學術論文
論文出版年:2012
畢業學年度:100
語文別:中文
論文頁數:57
中文關鍵詞:BRICdeveloping countriesmicrofinance.microcredit
外文關鍵詞:microfinance.microcreditBRICdeveloping countries
相關次數:
  • 被引用被引用:0
  • 點閱點閱:95
  • 評分評分:系統版面圖檔系統版面圖檔系統版面圖檔系統版面圖檔系統版面圖檔
  • 下載下載:13
  • 收藏至我的研究室書目清單書目收藏:0
This study explores the implementation of microcredits in developing countries on the example of BRIC. The recent studies are focusing on the performance effects of microcredits in developing countries, information sharing and problems that appeared while implementing the microcredit system.
In this study, the microcredits are investigating from the side of the national economy and from the side of global economy. In this case the impacts of the US economy and the world crisis 2007-2009 are discovering. This study examined how these two factors affect the evolution of microcredits in developing BRIC.
To make the econometric evaluation the secondary data was used. The data were computed and analyzed through descriptive statistics, correlation, and multiple regression analysis.
The study recommends that, if microcredits are going to be scaled-up to offer mass access to finance for the rural poor, then much more attention will need to be paid towards. At the same time in an economy of developing countries, there is scope for diverse microfinance approaches to coexist. Private sector needs to acquire greater professionalism, and the government can help by creating a flexible architecture for microfinance innovations, including enabling policy, legal and regulatory framework. The study offers some suggestions on what it would take to reform these institutions.
This study explores the implementation of microcredits in developing countries on the example of BRIC. The recent studies are focusing on the performance effects of microcredits in developing countries, information sharing and problems that appeared while implementing the microcredit system.
In this study, the microcredits are investigating from the side of the national economy and from the side of global economy. In this case the impacts of the US economy and the world crisis 2007-2009 are discovering. This study examined how these two factors affect the evolution of microcredits in developing BRIC.
To make the econometric evaluation the secondary data was used. The data were computed and analyzed through descriptive statistics, correlation, and multiple regression analysis.
The study recommends that, if microcredits are going to be scaled-up to offer mass access to finance for the rural poor, then much more attention will need to be paid towards. At the same time in an economy of developing countries, there is scope for diverse microfinance approaches to coexist. Private sector needs to acquire greater professionalism, and the government can help by creating a flexible architecture for microfinance innovations, including enabling policy, legal and regulatory framework. The study offers some suggestions on what it would take to reform these institutions.
ACKNOWLEDGEMENT …………………………………………………………………... I
ABSTRACT ………………………………………………………………………………….. II
LIST OF TABLE ……………..……………………………………………………………… III
CHAPTER ONE INTRODUCTION
1.1 The Background of Microcredits …………………………………………………... 1
1.2 Motivation and Objectives of the Study …………………………………………… 6
1.3 The Organization of the Study ……………………………………………………... 9
CHAPTER TWO LITERATURE REVIEW
2.1 Definition of Microcredit …………………………………………………………… 10
2.2 Implementation the Microcredits in BRIC ………………………………………... 13
2.3 Previous Studies of Approaching Microcredits …………………………………… 18
CHAPTER THREE RESEARCH METHOD
3.1. Data Collection ……………………………………………………………………... 21
3.2. Correlation Analysis ……………………………………………………………….. 23
3.2.1 Linear Regression …………………………………………..…………………. 25
3.3 Model Development ……………………………………………..………………….. 26
CHAPTER FOUR EMPIRICAL RESULT
4.1 Analysis of Model 1 …………………………………………………………………. 30
4.2 Analysis of Model 2 …………………………………………………………………. 39
4.3 Empirical Result with Additional World-Wide Information …………………….. 42
CHAPTER V CONCLUSION AND RECOMMENDATIONS
5.1 Conclusion …………………………………………………………………………... 46
5.2 Recommendations …………………………………………………………………... 48
REFERENCES……………………………………………………………………………….. 50


LIST OF TABLE
Table 3.1 Variable Description and Explanation …………………………………….... 28
Table 4.1 Regression Analysis for Brazil ………………………………………………. 31
Table 4.2 Regression Analysis for Russia …………………………………………….... 33
Table 4.3 Regression Analysis for India ….………………………………………......... 34
Table 4.4 Regression Analysis for China ….………………………………………….... 36
Table 4.5 Regression Analysis within Different Time Period ……………….……....... 38
Table 4.6 Pearson Correlation for Brazil ……………….……………………………... 39
Table 4.7 Pearson Correlation for Russia ……………….……………………………... 39
Table 4.8 Pearson Correlation for India ……………….……………………………..... 40
Table 4.9 Pearson Correlation for China ……………….……………………………... 40
Table 4.10 Regression Analysis for the Same Time Period 2001-2010 …..…………... 41
Table 4.11 Regression Analysis with US Macroeconomic Indexes .…………………... 42
Table 4.12 Regression Analysis with Macroeconomic and Dummy Variables ……… 43
1. Adams, D. (1978). Mobilizing Household Savings through Rural Financial Markets. Economic Development and Cultural Change, 26 (3), 547-560.
2. Agier, I. (2011). The Role of Credit Officers in the Performance of Microloans: Evidence from Brazil. Economics of Microfinance, 4 (3), 67-79.
3. Aroca, P. (2002). Microcredit Impact Assessment: The Brazilian and Chilean Cases. Working Paper No.2002-11, International Center for the Study of East Asian Development, JEL Classification: O16, O17.
4. Bansal, H. (2003). SHG-Bank Linkage Program in Indian: An Overview. Journal of Microfinance, 5 (1), 22-48.
5. Baruah, B. (2010). NGOs in Microfinance: Learning from the Past, Accepting Limitation and Moving Forward. Geography compass. 4 (8), 979-992.
6. Basu, S. and Mallick, S. (2008). When Does Growth Trickle Down to the Poor? The Indian Case. Cambridge Journal of Economics, 32 (3), 461-477.
7. Berger, A., Frame, W. and Miller, N. (2005). Credit Scoring and the Availability, Price, and Risk of Small Business Credit. Journal of Money, Credit and Banking, 37 (2), 191-222.
8. Bhatt, N. and Thorat, Y. (2001). India’s Regional Rural Banks: The Institutional Dimension of Reforms. Journal of Microfinance, 3 (1), 119-136.
9. Bornstein, D. (1996). The Price of a Dream: the Story of the Grameen Bank and the Idea that is. New York: Simon & Schuster.
10. Caliendo, M. and Kopeinig, S. (2008). Some Practical Guidance for the Implementation of Propensity Score Matching. Journal of Economic Surveys, 22 (1), 31-72.
11. Calkins, R. (2008). Effects of the Financial Crisis on Microfinance. Journal of Finance, 36, 459-468.
12. Chemin, M. (2008). The Benefits and Costs of Microfinance: Evidence from Bangladesh. Journal of Development Studies, 44 (4), 463-484.
13. Chowdhury, A. (2009). Microcredit, Micro-enterprises, and Self-employment of Women: Experience from the Grameen Bank in Bangladesh. Rome: La Repubblica.
14. Crombrugghe, A., Tenikue, M., and Sureda, J. (2008) Performance Analysis for a Sample of Microfinance Institutions in India. Annals of Public and Cooperative Economics, 79 (2), 269-299.
15. Desai, M. and Namboodiri, N. (1996). Whither Rural Financial Institutions. Economic and Political Weekly, 31 (3), 10-39.
16. Dharamsi, K. (2008). Global Credit Crunch Affects Microfinancing, World Bank Policy Research Working Paper No. 2160. http://www.sify.com/finance.html
17. Druschel, K. (2002). Microfinance in China: Building Sustainable Institutions and Strong Industries, School of International Service of American University Working Paper No. 11022. http://www.microfinancegateway.org
18. Fernando, J. (1997). Nongovernmental Organizations, Micro-Credit, and Empowerment of Women. Annals of the American Academy of Political and Social Science, 554 (1), 150-177.
19. Ghate, P. (2007). Consumer Protection in Indian Microfinance: Lessons from Andhra Pradesh and the Microfinance Bill. Economic and Political Weekly, 42 (13), 1176-1184.
20. Hartungi, R. (2007). Understanding the Success Factors of Micro-finance Institution in a Developing Country. International Journal of Social Economics, 34 (6), 388-401.
21. Hermes, N. and Lensink, R. (2007). The Empirics of Microfinance: What Do We Know? Economic Journal, 117 (517), 11-20.
22. Hulme, D. (2000). Impact Assessment Methodologies for Microfinance: Theory, Experience and Better Practice. World Development, 28 (1), 79-98.
23. Karlan, D., Gine X., Morduch, J. and Jakiela, P. (2006) Microfinance Games. Working Paper No. 936, Economic Growth Center, Yale University. http://karlan.yale.edu/p/mfgames_1may09.pdf
24. Khandker, R. (1999). Fighting Poverty with Microcredit. Dhaka: The University Press Ltd.
25. Liew, L. (1998). Introduction: Some Issues of Chinese Economic Reform. Journal of the Asia Pacific economy, 3 (1), 35-57.
26. Moura, M. (2005). Microfinance in Brazil: Unibanko’s Experience. Working Paper No.2005-08, International Center for the Study of South America Development, http://www.mixmarket.org/mfi/country/Brazil
27. Nair, T. (2005). The Transforming World of Indian Microfinance, Economic and Political Weekly, 40 (17), 43-59.
28. Naumkin, T. (2011). Microcredits in Russia: Problems and Future Development; Working Paper No.2011-01, International Center for the Study of Microfinance. https://dspace.stir.ac.uk/bitstream/1893/321/1/thesis%20final.pdf
29. Prowse, S. (1998). Corporate Governance: Emerging Issues and Lessons from East Asia. http://www.worldbank.org/finance/assets/images/prowse.pdf
30. Robinson, M. (2001). The Microfinance Revolution: Sustainable Finance for the Poor, Washington D.C.: The World Bank
31. Shumway, T. (2001). Forecasting Bankruptcy More Accurately: A Simple Hazzard Model. Journal of Business, 74 (1), 101-124.
32. Snow, D. and Buss, T. (2001). Development and the Role of Microcredits. Plocy studies journal, 29 (2), 296-307.
33. Visconti, R. (2008). A survey on Microfinance for Developing Countries: a Social Responsible Investment Opportunity. Working Paper No.1-20123, Università Cattolica del Sacro Cuore. http://www.microfinancegateway.org/p/site/m//template.rc/1.9.30442
34. Weiss, J. (2005). Great Expectations: Microfinance and Poverty Reduction in Asia and Latin America. Journal of International Development, 15 (2), 179-188.
35. Wooldridge, J. (2002). Econometric Analysis of Cross Section and Panel Data. Cambridge: MIT Press.
36. Younger, S. (1979). Handbook for Linear Regression Analysis, New York: Duxbury Press.
37. Yunus, M. (2008). Creating a World Without Poverty: Social Business and the Future of Capitalism. New York: Public Affairs.
QRCODE
 
 
 
 
 
                                                                                                                                                                                                                                                                                                                                                                                                               
第一頁 上一頁 下一頁 最後一頁 top
系統版面圖檔 系統版面圖檔