| 1. |
- Aslam, Mohammad, et al.
(författare)
-
Impact of microfinance on poverty: Qualitative analysis for grameen bank borrowers
- 2020
-
Ingår i: International Journal of Financial Research. - : Sciedu Press. - 1923-4023 .- 1923-4031. ; 11:1, s. 49-59
-
Tidskriftsartikel (refereegranskat)abstract
- © 2019, Sciedu Press. Poverty is economic, social, political and even moral issue all over the world. Microfinance has been designed to eliminate poverty and may help marginal people to materialize their dreams. Microfinance has been formalized primarily in Bangladesh with this concept. Grameen Bank (GB) has been serving large number of people below poverty level here. Initially, microfinance institutions have been supported by the Government or Donor assuming its positive impact on borrowers. However, ambiguous impacts have been reported in several studies that make microfinance questionable. Therefore, this study intent to measure the impact of microfinance on GB borrowers through the process of qualitative changes in borrowers lives. The process has been measured by some case studies for participant and non-participant borrowers using Modified Household Economic Portfolio Model (M-HEPM). Our qualitative analysis shows that microfinance makes positive changes in the process of borrowers lives observed through financial and activity diaries of the borrowers.
|
|
| 2. |
- Aslam, Mohammad, et al.
(författare)
-
Predicting likelihood for loan default among bank borrowers
- 2020
-
Ingår i: International Journal of Financial Research. - : Sciedu Press. - 1923-4023 .- 1923-4031. ; 11:1, s. 318-328
-
Tidskriftsartikel (refereegranskat)abstract
- © 2019, Sciedu Press. Poverty is a threat to the world. In its extreme form at any part of the world, it will make endanger rest of the world. In fact, it is the source of crime and the worst form of violence. The poor people do not commit any crime but they get punishment out of being bom as a poor that is not controllable in then hand. Microfinance has been designed to eliminate poverty and help marginal and poor people through small income generating activities. The borrowers need capital to materialize their dream, may be in a small amount and microfinance can play important role in this scenario. Through microfinance. small entrepreneurs may acquire necessary inputs to start their business. Both local governments and international agencies are trying to eliminate poverty through microfinance programs, services and guidelines. With this concept. Microfinance has been hosted primarily in Bangladesh. Grameen Bank (GB) has been serving large number of people below poverty level in Bangladesh. However, impact of microfinance is still questionable in several studies. Microfinance used properly and returned back to the lender with stipulated amount and time shows its working effectively for poverty alleviation. Otherwise, there must be loan default and the whole system may be in question. We survey with questionnaire to find out factors contributing to loan default among GB borrowers using binomial logistic regression. The results showed that some factors were crucial for loan default and should be treated properly at the start of lending.
|
|
| 3. |
- Xu, Fei, 1987-, et al.
(författare)
-
Nash equilibria on soft information control games - based on banking industry in China
- 2013
-
Ingår i: International Journal of Financial Research. - : Sciedu Press. - 1923-4023 .- 1923-4031. ; 4:1, s. 84-92
-
Tidskriftsartikel (refereegranskat)abstract
- In the competition of banking sector in China, to maximize the amount of soft information control is an important goal. In an n-dimensional Euclidean space, there exists Nash equilibrium for two different banks in the competition of soft information control. Keeping the same competitive strategy is the best response to each other's actions of the two banks. Further analysis is based on the incomplete information dynamic game between various branches of the same bank. The Nash equilibrium solution for the first mover is to design strategy based on market information, while the followers’ optimal strategy is to imitate the first mover’s policy, whatever knowledge that they may obtain.
|
|
