2019). Some studies found that women face trouble getting loans from outside sources (Brixiová and Kangoye, 2016; Demirgüç-Kunt et al. 2013; and Brush and Cooper, 2012). Based on the above literature, the following research hypothesis has been formulated: H4: Firms’ and owner’s ...
SOUTH AfricaQUALITY of lifePRINCIPAL components analysisPANEL analysisLOANSNATIONAL incomeBackground: Since the early 1980s, many governments have investigated the possibility of utilising access to microloans as a pathway to grow economies out of unemployment and thereby improve peo...
When micro loans become the topic of the town, the first thing that enters the mind of people is the Small Business Administration. But since the necessity for business venture is now on the rise because of the instability of the economy, more and more entrepreneurs are venturing into the mi...
As such, overdraft loans, personal savings, and partner’s investments are the different methods used by the eight case studies to fund their e-business and related adoption costs. “It was personal savings, and then a partner that offered a particular investment in the business. That’s how ...
A bank repaying in full is eligible for subsequent loans, with loan sizes linked to the performance of village bank members in accumulating savings. Peer pressure operates to maintain full repayment, thus assuring further injections of capital, and also encourages savings. Savings accumulated in a ...
MicroResearch has borrowed the principles of microfinance (train, coach and provide capital) while trying to avoid microfinance program problems, such as the negative impact of repayment of high interest loans and the focus on the poorest of the poor rather than on poor local entrepreneurs [7]....
Therefore, under big data credit technology, the total profit obtained by banks from MSEs will increase from 𝜌1(𝑟) to 𝜌1′(𝑟), so that MSEs can obtain loans at a lower opportunity cost of banks, thereby narrowing the credit gap of borrowers and alleviating the credit rationing ...
Typically, the subsidy covers around 50% of the total project cost; the remaining balance is usually comprised of the community’s labour and financial contribution, donations from local governments and bank loans [13,33,36]. Using the information from the subsidy documentation and supporting ...
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Section 5 portrays the bankability stages, which will concentrate on the financing side as the primary driver of MSE growth prior to the use of bank loans. Section 6 discusses the simulation results from several scenario analyses, which allowed the government to experiment with policies. Finally, ...