Financial services for microenterprises: Principles and institutions

Rhyne, Elisabeth; Otero, María Rita

doi:10.1016/0305-750x(92)90014-m

Cited by 73 publications

(56 citation statements)

References 2 publications

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“…Lenders can shift some of the loan processing and loan approval tasks onto groups because the groups have better access to information on the character and creditworthiness of potential borrowers. (Rhyne andOtero 1992: 1564) Within the framework of neoliberal rationality, then, solidarity groups assume as their primary objective the nancial health of microcredit programmes, rather than the welfare (indeed, solidarity) of the rural population. The borrower groups also play a functional role anchoring the subjectivity of rational economic woman in a national civil society whose cultural ideologies preclude much in the way of associational life for women beyond the con nes of their households and closest familial linkages.…”

Section: Microcredit and The Cultivation Of Rational Economic Womanmentioning

confidence: 99%

Governing development: neoliberalism, microcredit, and rational economic woman

Rankin¹

2001

Economy and Society

140

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This paper addresses the emergence of microcredit programmes as a preferred strategy for poverty alleviation world-wide. Taking the paradigmatic case of Nepal, it engages a genealogical approach to trace how Nepalese planners' enduring concerns about rural development intersect in surprising (and gendered) ways with donors' present focus on deepening nancial markets. In the resulting microcredit model, the onus for rural lending is devolved from commercial banks to subsidized 'rural development banks' and women borrowers become the target of an aggressive 'selfhelp' approach to development. As a governmental strategy, microcredit thus constitutes social citizenship and women's needs in a manner consistent with neoliberalism. Drawing on ethnographic research, the paper also considers the progressive and regressive possibilities in the articulation of such constructed subjectivities with local cultural ideologies and social processes. Such an investigation can in turn provide a foundation for articulating a more normative agenda for development studiesgrounded in the perspectives of those in subordinate social locations.Keywords: microcredit; development; rural nance; governmentality; gender; Nepal.A consensus has recently emerged among scholars and practitioners of development that microcredit -in the form of small loans for the purposes of promoting small-scale enterprise -can provide a veritable panacea for poverty world-wide. This consensus exists in the context of the decisive shifting of

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Section: Microcredit and The Cultivation Of Rational Economic Womanmentioning

confidence: 99%

Governing development: neoliberalism, microcredit, and rational economic woman

Rankin¹

2001

Economy and Society

140

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“…Following the arguments of Rhyne and Otero (1992) that sustainable poverty alleviation can only be realized if the lender institutions are financially sustainable, these MFls have developed unique characteristic features based on the financial systems approach. These include targeting clients excluded from the formal financial sector, charging market interest rates, use of group lending techniques, dynamic incentives, regular repayment schedules and integration of rural savmgs mobilization as a strategy to improve resource allocation (Morduch, 1999(Morduch, :1579.…”

Section: Microfinance Institutions (Mfis)mentioning

confidence: 99%

Credit Demand and Credit Rationing in the Informal Financial Sector in Uganda1

Okurut

Schoombee

Berg

2005

South African J Economics

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This paper investigates the household and individual characteristics that influence the demand and supply of informal credit in Uganda, which credit is important for improving the welfare of the poor. Informal credit demand is positively and significantly influenced by age, sex, education level, dependency ratio, household expenditure, and regional location. On the supply side, informal lenders' credit rationing behaviour is negatively and significantly influenced by age, sex, asset values, and regional location. Government policies should focus on increasing both the productive capacity and wealth of households in order to enhance the poor's creditworthiness and make them less susceptible to credit rationing by lenders.

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“…Therefore, microfinance aims to improve the income and welfare of poor people. It is agreed that Microfinance institutions have a positive impact on SME development because they guarantee sustainable access to credit for the poor entrepreneurs (Rhyne & Otero, 1992).…”

Section: Microfinance System and Smes Developmentmentioning

confidence: 99%

The Moderating Role of Business Growth on the Relationship between Business Development Services Provided by Islamic Microfinance Institutions and Customer Satisfaction: A Study on the SMEs in Yemen

Fararah¹,

Al‐Swidi²

2014

ASS

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This paper aims to investigate the moderating role of business growth on the relationship between Business Development Services (BDS) and SMEs owners' satisfaction on the Islamic Microfinance System in Yemen. Specifically, this paper showed the effectiveness of the business development services provided by Islamic microfinance system to satisfy the SMEs customers and how this relationship is contingent on the business growth opportunities. In examining the hypothesized model, the quantitative methodology was employed. Out of 532 questionnaires distributed, 346 ones were returned out of which only 320 were usable for the data analysis stage. The results confirmed the direct effect of BDS on SMEs owners' satisfaction and the moderating role of business growth on the said relationship.

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Financial services for microenterprises: Principles and institutions

Cited by 73 publications

References 2 publications

Governing development: neoliberalism, microcredit, and rational economic woman

Governing development: neoliberalism, microcredit, and rational economic woman

Credit Demand and Credit Rationing in the Informal Financial Sector in Uganda1

The Moderating Role of Business Growth on the Relationship between Business Development Services Provided by Islamic Microfinance Institutions and Customer Satisfaction: A Study on the SMEs in Yemen

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