发展中国家集团借贷机制的动态与集团领导人的作用

Obinna Udodiri Nkwocha, J. Hussain, H. El-Gohary, D. Edwards, Ernest Ovia
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引用次数: 8

摘要

近年来,团体贷款机制在小额信贷提供者中越来越受欢迎。这主要是由于它有能力利用连带责任来增加贷款偿还,同时促进借款人的创业精神。与此同时,通过所有小组成员的合作参与,集体借贷机制在促进妇女赋权方面也非常重要。但是,在发展中国家范围内,集团贷款方法在提供小额供资方面的有效性基本上没有得到充分的研究。本文利用来自尼日利亚150个不同群体的女性借款人广泛焦点小组访谈的数据,分析了群体借贷机制的动态(群体形成、同伴监督、压力和支持)。这篇文章扩大了目前狭隘的文献小组领导提供了一个详细的经验帐户小组领导的活动在小额信贷干预。研究结果表明,由于小组领导对小组成员的贷款违约负有主要责任,因此他们比其他成员更有动力监督和施压成员。结果还表明,虽然小组领导被发现发挥着至关重要的作用,但其中一些小组领导滥用职权,破坏了小组凝聚力和小额信贷的可持续性。最后,介绍了群体小额信贷干预中的“多卡现象”。
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Dynamics of Group Lending Mechanism and the Role of Group Leaders in Developing Countries
Group lending mechanisms have increasingly become popular among microfinance providers in recent years. This is largely due to its ability to leverage joint liability to increase loan repayments whilst promoting an entrepreneurial spirit among borrowers. Meanwhile, a group-lending mechanism is also very important in promoting women's empowerment through cooperative engagements of all group members. However, the effectiveness of the group lending methodology in the delivery of microfinance within a developing country context is largely under-researched. Using data from extensive focus groups interviews of women borrowers held in Nigeria among participants from 150 different groups, this article analyses the dynamics of group lending mechanism (group formation, peer monitoring, pressure and support). The article widens the current narrow literature on group leaders by providing a detailed empirical account of the activities of group leaders in a microfinance intervention. The findings showed that because group leaders are primarily held liable for loan delinquency of group members, they are more highly motivated than other members to monitor and pressure members. The results also suggest that while group leaders were found to perform vital roles, some of these group leaders abused their positions in ways that undermine group cohesion and microfinance sustainability. Lastly, the article introduces the “multiple card phenomenon” in group-based microfinance intervention.
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来源期刊
International Journal of Customer Relationship Marketing and Management
International Journal of Customer Relationship Marketing and Management Business, Management and Accounting-Marketing
CiteScore
1.90
自引率
0.00%
发文量
33
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