COVID-19对从SHG借款的企业家收入的影响

IF 0.5 Q3 SOCIAL SCIENCES, INTERDISCIPLINARY

Journal of Human Values Pub Date : 2023-03-16 DOI:10.1177/09716858231154396

N. Malhotra, P. Baag

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引用次数: 0

摘要

新冠肺炎疫情震撼了世界。1991年自由化后，小额信贷成为穷人的灵丹妙药，没有抵押品和信息不对称。小额信贷和债务陷阱的成本更高，凸显了国家干预资源再分配的必要性。此外，全国封锁和新冠肺炎限制令印度等新兴经济体难以实现这一可持续发展目标。印度储备银行引入了自助团体银行联系，以确保穷人的金融包容性。差异中的差异方法检验了SHG如何影响企业家家庭的收入。CMIE消费者金字塔dx数据用于分析。数据表明，SHG增加了家庭收入，教育、收入水平和性别等人口因素也影响了穷人的金融包容性。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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Impact of COVID-19 on the Income of Entrepreneurs Who Borrowed from SHG

The COVID-19 pandemic has shaken the world. After liberalization in 1991, microfinance became a panacea for poor people without collateral and information asymmetry. The higher cost of microfinance and debt traps highlighted the need for the state to intervene in resource redistribution. In addition, national lockdowns and COVID-19 restrictions have made it difficult for emerging economies like India to achieve this sustainable development goal. The Reserve Bank of India introduced self-help group (SHG) bank linkage to ensure the financial inclusion of the poor. The difference-in-difference method examined how SHGs affect entrepreneur households’ income. CMIE Consumer Pyramid dx data were used for analysis. The data establish that SHGs have increased the income of the households, and demographic factors such as education, income level and gender also impact the financial inclusion of the poor.

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来源期刊

Journal of Human Values SOCIAL SCIENCES, INTERDISCIPLINARY-

CiteScore

1.40

自引率

14.30%

发文量

期刊介绍： The Journal of Human Values is a peer-reviewed tri-annual journal devoted to research on values. Communicating across manifold knowledge traditions and geographies, it presents cutting-edge scholarship on the study of values encompassing a wide range of disciplines in the humanities and social sciences. Reading values broadly, the journal seeks to encourage and foster a meaningful conversation among scholars for whom values are no esoteric resources to be archived uncritically from the past. Moving beyond cultural boundaries, the Journal looks at values as something that animates the contemporary in its myriad manifestations: politics and public affairs, business and corporations, global institutions and local organisations, and the personal and the private.