一种评估企业小额信贷潜在需求和最佳供给的方法

IF 0.7 Q4 BUSINESS, FINANCE

Review of Development Finance Pub Date : 2012-04-01 DOI:10.1016/j.rdf.2012.05.003

Ayi Gavriel Ayayi , Nurmukhammad Yusupov

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引用次数: 13

摘要

我们提出了一种评估小额信贷潜在需求和最佳供给的方法。研究表明，总需求是由主动穷人产生的需求加上激励代理人在创业型非激励穷人中产生的需求的组合。我们使用法国的数据来说明对小额信贷潜在需求的评估。我们还表明，小额信贷机构所满足的潜在需求的比例取决于其目标，即它是面向社会的还是利润最大化的。

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A methodology for the assessment of potential demand and optimal supply of entrepreneurial microcredit

We propose a methodology for the assessment of potential demand and optimal supply for microcredit. We show that the total demand is a combination of the demand that stems from the active poor plus the demand generated by a motivator agent among the entrepreneurial non-motivated poor. We use French data to provide an illustration of the assessment of potential demand for microcredit. We also show that the proportion of the potential demand satisfied by a microfinance institution depends on its objective i.e. either it is socially oriented or a profit maximizer.

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来源期刊

Review of Development Finance Economics, Econometrics and Finance-Finance

CiteScore

0.80

自引率

0.00%

发文量