Women and Microcredit in Rural Bangladesh: An Anthropological Study of Grameen Bank Lending

Varghese, Adel

doi:10.1525/aa.2001.103.1.258

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“…Inclusive finance refers to a type of finance model in which financial institutions provide a range of quality financial services that can reach everyone, without excluding the poor, disabled, rural population (Ashraf and Noor, 2010). Comparing with traditional financial institutions, the major aim of inclusive financial institutions is to improve the accessibility of affordable financial services to underserved consumers (Varghese, 2001). Thus, inclusive finance is important for improving the living conditions and eliminating the poverty of poor farmers, rural non-farm enterprises and other vulnerable groups.…”

Section: Introductionmentioning

confidence: 99%

An empirical analysis of rural farmers’ financing intention of inclusive finance in China

Aisaiti

Liu

Xie

et al. 2019

IMDS

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Purpose The purpose of this paper is to investigate and understand China’s rural farmers’ financing intention of inclusive finance, and it examines related drivers like knowledge of inclusive finance, perceived benefits and perceived risks of ordering finance. Besides, the social enterprise embeddedness and digital finance are integrated into the conceptual model to further investigate their moderating impact. Design/methodology/approach The authors designed an inclusive finance intention model to examine the relations between dependent variable knowledge of inclusive finance, intermediary variables perceived benefits and perceived risks of ordering finance and the independent variable financing intention of inclusive finance. The embeddedness of social enterprise and digital finance were identified as modifying factors. Both exploratory and conclusive research strategies were applied. A structured questionnaire was developed to collect empirical data from the rural areas of China. Findings It suggests that knowledge of inclusive finance can strengthen both perceived benefits and perceived risk of ordering finance. Interestingly, the embeddness of social enterprise can significantly reduce risk perceptions and improve perceived benefits of ordering finance. Furthermore, perceived benefits of ordering finance can positively enhance rural farmers’ financing intention of inclusive finance, whereas perceived risks can negatively influence the financing intention. Moreover, digital finance as a modifying factor can significantly strengthen the positive correlation between perceived benefits of ordering finance and financing intention of inclusive finance. Practical implications The research indicates that a systematic inclusive finance educational project is needed to enhance rural farmers’ understanding of inclusive finance and its components. Moreover, the study reveals that it is crucial to promote social enterprise participation and digital finance to develop inclusive finance in rural China, as the service attributes of social enterprise and efficiency of digital finance can greatly reduce the existing transaction cost of farmers. Originality/value The conceptual model would potentially contribute to researchers interested in investigating the financing intention of inclusive financial services relating to rural population. The integration of social enterprise embeddedness and digital finance is the uniqueness of this research conceptual model.

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Section: Introductionmentioning

confidence: 99%

An empirical analysis of rural farmers’ financing intention of inclusive finance in China

Aisaiti

Liu

Xie

et al. 2019

IMDS

View full text Add to dashboard Cite

show abstract

Women and Microcredit in Rural Bangladesh: An Anthropological Study of Grameen Bank Lending

Abstract: Women and Microcredit in Rural Bangladesh: An Anthropological Study of Grameen Bank Lending. Aminur Rahman. Boulder, CO: Westview Press, 1999. 188 pp.

Cited by 1 publication

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An empirical analysis of rural farmers’ financing intention of inclusive finance in China

An empirical analysis of rural farmers’ financing intention of inclusive finance in China

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