微型金融和小额贷款对加纳瓦西区减少贫困的影响
Mohammed Sulemana1, Moses Naiim Fuseini2, Ibrahim Abu Abdulai1
1Department of Governance and Development Management, SD Dombo University of Business and Integrated Development Studies, Wa, Ghana.
Heliyon
|December 18, 2023
概括
加纳的微型金融和小额贷款中心 (MASLOC) 通过增加收入和资产积累,有效地减少贫困. 然而,贷款偿还和人员配置方面的挑战需要解决,以获得持续的影响.
科学领域:
- 社会经济学 社会经济学
- 发展研究 发展研究 研究
- 公共政策 公共政策
背景情况:
- 贫困是一个重大的全球挑战,需要有效的干预策略.
- 微型金融计划,如加纳的MASLOC,旨在减轻贫困.
- 马斯洛克对减少贫困的具体影响仍未得到充分研究.
研究的目的:
- 调查加纳微型金融和小额贷款中心 (MASLOC) 的有效性.
- 分析马斯洛克在减少受益者贫困中的作用.
- 确定挑战,并为MASLOC的可持续性提供建议.
主要方法:
- 采用了一个单一的案例研究设计.
- 数据是通过采访和观察40名MASLOC受益人和官员收集的.
- 使用专题分析来解释定性数据.
主要成果:
- 马斯洛克通过促进收入,消费和资产积累,为减少贫困做出了重大贡献.
- 受益人报告说,获得基本商品和服务的机会有所改善.
- 确定的主要挑战包括贷款偿还和人员配置的问题.
结论:
- 马斯洛克在加纳减贫方面发挥着至关重要的作用.
- 解决贷款还款问题和提高员工能力对于MASLOC的长期成功至关重要.
- 该研究为政策制定者提供了关于微型金融有效性的实用见解.
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