COVID-19和微型金融的未来:来自巴基斯坦的证据和见解
Kashif Malik1, Muhammad Meki2, Jonathan Morduch3
1Department of Economics, Lahore University of Management Sciences.
概括
由于COVID-19大流行,巴基斯坦的微型企业主销售和收入下降了90%,导致贷款偿还问题普遍存在. 这场危机凸显了低收入社区的脆弱性以及微型金融政策改革的必要性.
科学领域:
- 社会经济学 社会经济学
- 发展经济学 发展经济学
- 金融包容 金融包容 金融包容
背景情况:
- COVID-19 流行病对为受影响社区服务的机构提出了重大挑战.
- 巴基斯坦的微型金融机构 (MFI) 服务于大量低收入家庭,提供信贷和金融服务.
- 传统商业银行往往对这些人群服务不足.
研究的目的:
- 评估COVID-19大流行对巴基斯坦小额信贷客户和机构的直接影响.
- 了解锁定期间微型企业所有者和贷款官员面临的挑战.
- 为低收入社区微型金融部门的政策改革提供信息.
主要方法:
- 快速响应电话调查大约1000名微型企业所有者.
- 对大约200名小额贷款贷款官员进行了调查.
- 与监管机构和MFI高级代表的采访,在全国封锁后不久进行.
主要成果:
- 微型企业主平均每周销售额和家庭收入下降了90%.
- 确保食物成为家庭的主要关注点.
- 70%的小额贷款借款人报告说无法偿还贷款,贷款官员预测2020年4月的偿还率只有34%.
结论:
- 由于COVID-19的流行,低收入社区的微型金融业务面临严重危机.
- 危机凸显了微型企业的脆弱性和货币金融机构的关键作用.
- 该研究提出了政策改革的机会,以加强微型金融的未来,并支持弱势群体.
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