尼泊尔甘达基省多重借贷客户的绩效

Bharat Ram Dhungana, R. Chapagain
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引用次数: 1

摘要

多重借款问题在尼泊尔小额信贷机构中更为普遍。本研究旨在以Muktinath Bikas Bank Limited (MBBL)为参照,评估尼泊尔Gandaki省多个借款客户的绩效。在妇女赋权、消费支出、资本支出、微型企业创建、储蓄、投资和利润方面,多重借款客户的表现已通过描述性和推断性统计进行了审查。这项研究仅限于甘达基省的五个地区,数据是从至少在过去五年或更长时间内参与小额信贷干预的MBBL客户那里收集的。大多数观察到的客户的表现都是通过小额信贷活动增强的,但在生计参数的变化方面没有显著差异。尽管小额信贷方案赋予客户权力,但投资、储蓄、微型企业创建、资本和消费支出以及客户创收的结果并不令人信服。监管部门应明确小额信贷机构的融资是单纯为自身盈利还是为贷款的生产性应用所存在的多重借贷问题。客户的社会经济绩效与小额信贷机构对客户的有效监测有关,客户的贷款是否得到了适当的利用。
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Performance of Multiple Borrowing Clients in Gandaki Province of Nepal
The multiple borrowing problems are more common in microfinance institutions in Nepal. The study aims to evaluate the performance of multiple borrowing clients in Gandaki province of Nepal with reference to Muktinath Bikas Bank Limited (MBBL). The performance of multiple borrowing clients, in terms of women empowerment, consumption expenditure, capital expenditure, micro-enterprises creation, saving, investment, and profit, has been examined with the help of descriptive and inferential statistics. The study has been confined to five districts of Gandaki province and the data have been collected from MBBL clients who are involved in microfinance intervention at least from the last five or more years. The performance of most of the observed clients was empowered by microfinance activities but no significant difference in terms of changes in the livelihood parameters. Although microfinance programmes empower clients, the results of the investment, saving, micro-enterprises creation, capital and consumption expenditure, and income generation of clients are not convincing. The regulatory authority should identify the problems of multiple borrowing whether the financing from microfinance institutions is just for their profit or for productive application of loan. The socio-economic performance of clients is connected with the effective monitoring of clients made by microfinance institutions whether the loan has been properly utilized or not.
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