同行机制在自助小组中如何影响贷款偿还? : 在印度进行的实证研究
1Assistant Professor, IIM Sambalpur, Odisha, India.
PloS one
|January 27, 2026
概括
自助团体通过使用社会资本和共同责任来增强女性的财务包容性. 同行选择和监控有助于贷款偿还,但过度制裁可能会增加资金滥用.
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:
- 正式金融机构因信息不对称和缺乏抵押品而面临向穷人贷款的挑战.
- 自助团体 (SHG) 通过利用社会资本和共同责任提供了一个可行的替代方案.
- 金融包容对于赋予妇女权力和实现可持续发展目标至关重要.
研究的目的:
- 分析在印度西孟加拉邦的SHG内部对等机制的有效性.
- 调查同行选择,监控和制裁如何影响贷款偿还行为.
- 确定领导和技术获取在提高偿还方面的作用.
主要方法:
- 利用了来自印度西孟加拉州400名自助团体成员的数据.
- 员工订购了后勤回归分析,以检查同行机制的影响.
- 评估同行选择,监控,制裁,领导力和技术对偿还的影响.
主要成果:
- 发现同行选择减少了不利选择,而同行监测减轻了道德风险.
- 领导力和对技术的访问与改善的偿还行为有积极的相关性.
- 过度的同行制裁与滥用基金的风险增加有关.
结论:
- 自助团队中的同行机制在减少信息不对称和改善贷款偿还方面是有效的.
- 领导力和技术准入是成功融资倡议的关键因素.
- 政策影响表明需要平衡的同行制裁机制,以防止滥用资金.
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