La Restructuration De L Espace Microfinancier Du Kivu Est R D Congo
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La Restructuration De L Espace Microfinancier Du Kivu Est R D Congo
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Author : Frédéric Kalala Tshimpaka
language : fr
Publisher: Presses univ. de Louvain
Release Date : 2006
La Restructuration De L Espace Microfinancier Du Kivu Est R D Congo written by Frédéric Kalala Tshimpaka and has been published by Presses univ. de Louvain this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006 with Business & Economics categories.
L’efficacité de la microfinance, considérée comme mode de financement des exclus de la finance classique, peut être évaluée en terme de pérennité de financement et d’adéquation de celui-ci aux besoins des clients. Cette démarche quasi absente de la littérature est au centre de cette étude qui propose une relecture de la théorie financière des organisations. Grâce à l’approche qualitative, les rationalités des principaux stakeholders sont analysées et la pertinence relativement contextuelle des indicateurs de performance est discutée. L’approche quantitative tente de modéliser le comportement des emprunteurs et des prêteurs au Kivu en s’appuyant sur les données collectées auprès de 31 IMF (Institutions de microfinance) et 260 de leurs clients pour la période allant de 1996 à 2002. Il ressort de notre étude que trop peu d’indicateurs classiques sont compatibles avec les réalités du Kivu. Le ratio de liquidité immédiate et la caution solidaire sont peu significatifs. Seul le portefeuille à risque explique les contre-performances souvent enregistrées par les IMF. Il fournit des résultats (= 11 %) supéieurs aux normes thériques (5 % pour un PaR30) mais significatifs au Kivu dans la mesure oùles crénces irréouvrables ne sont pas exclues des prês en retard de paiement, base thérique de déermination du ratio. Les IMF dont le PaR30 déasse 20 % s’nlisent dans le rationnement de créit et finissent souvent par cesser tout octroi de créit. En rèle gééale, les IMF du Kivu ne mobilisent pas suffisamment l’éargne locale et n’ccèent pas aux fonds commerciaux. La restructuration de l’space microfinancier local passe par l’nstitutionnalisation des organisations qui fonctionnent de manièe professionnelle. Ceci leur permettra d’ccéer àl’éargne du public et au refinancement auprè des banques commerciales parfois en situation de sur-liquiditéfaiblement réunéé. Àcette occasion, tous les stakeholders peuvent tirer parti de l’inversion du cycle d’intermédiation financière (c’est-à-dire l’octroi des microcrédits plus rentables à partir des crédits bancaires à long terme) par les IMF. Nos investigations mettent enfin en exergue d’intéressantes pistes d’économies d’échelle à l’aide des fusions possibles entre quelques organisations de microfinance du Kivu.
African Indigenous Financial Institutions
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Author : Julia Smith-Omomo
language : en
Publisher: Springer
Release Date : 2018-09-11
African Indigenous Financial Institutions written by Julia Smith-Omomo and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-09-11 with Social Science categories.
This book examines engagements with financial services in contexts of conflict. Using Liberia and the Democratic Republic of the Congo as case studies, it explores informal financial and business strategies and how these shift during conflict. Through a combination of regression analyses and panel data modeling with fixed effects, the project research indicates that conflict has a stronger effect on the nature of demand for credit and savings services than it has on the actual performance of financial institutions. In examining these patterns, the importance of networks and family becomes increasingly important—not just in the ways they are important to us as individuals, but as important determinants of post-war outcomes.
La Microfinance En Afrique Centrale Le Defi Des Exclus
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Author : Ayuk, Elias T.
language : fr
Publisher: Langaa RPCIG
Release Date : 2015-04-02
La Microfinance En Afrique Centrale Le Defi Des Exclus written by Ayuk, Elias T. and has been published by Langaa RPCIG this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-04-02 with Social Science categories.
Les pauvres ruraux font face à un défi majeur par rapport à leur accès aux produits financiers qui sont fournis par le système bancaire formel. Ces pauvres sont exclus du système à cause des exigences des institutions bancaires conventionnelles. La promesse de la microfinance est de s’assurer que ces exclus ont des possibilités d’avoir accès aux produits financiers. L’intermédiation financière de la microfinance à travers le microcrédit, le micro-transfert, la micro-épargne et la micro-assurance a acquis, depuis une trentaine d’années, une importance centrale pour les pays en voie de développement. Pour ces pays, la question est de savoir le rôle que peut jouer la microfinance dans la réduction de la pauvreté et le renforcement de la croissance économique. Des nombreux travaux ont été entrepris dans d’autres régions du monde mais très peu en Afrique centrale. Ce livreLa microfinance en Afrique centrale : le défi des exclus présente des résultats empiriques sur la recherche concernant les institutions de microfinance en Afrique centrale. Le projet sur la base duquel ce livre a été produit a été financé par le Centre de Recherches pour le Développement International (CRDI) dans le cadre de son initiative de programme ‘mondialisation, croissance et pauvreté’. Des sujets relatifs aux questions de l’offre et la demande, des aspects institutionnels, de l’efficacité, du comportement des acteurs et de l’impact de la microfinance ont été abordé par le projet. Il a été mis en oeuvre par des équipes de chercheurs et doctorants, pour la plupart des économistes, dans quatre pays de l’Afrique centrale dont le Cameroun, le Congo, le Gabon et le Tchad. Le livre devrait servir de référence concernant l’expérience de la microfinance dans cette partie du monde pour la communauté scientifique, les décideurs et d’autres partenaires au développement. The rural poor face a major challenge to access financial services provided by the formal banking system. These poor are excluded from the system because of the requirements imposed on them by that banking sector. The microfinance promise is to ensure that the excluded have access to financial products. Financial intermediation of microfinance through microcredit, micro-transfers, micro-saving and micro-insurance has gained popularity in the developing countries of the world during the past thirty years. For these countries the question is to determine the potential role of microfinance in reducing poverty and in strengthening economic growth. While a considerable amount of research has been undertaken in other parts of the world on these issues, there is a dearth of empirical knowledge in the Central African countries. This book 'Microfinance in Central Africa: The challenge of the excluded' presents results of empirical research concerning microfinance institutions in Central Africa. The book draws from a project that was supported by the International Development Research Centre (IDRC) in the context of the Centre's globalization, growth and poverty programme initiative. The project examined issues related to the market for microfinance, institutional considerations, efficiency and behaviour of key actors and the impact of microfinance. The studies within the project were undertaken by teams of researchers and doctoral students, all mainly economists and jurists, in four countries in Central Africa, namely: Cameroon, Chad, Congo Republic and Gabon. The book should serve as a reference guide with respect to the microfinance experience in the region for the scientific community, policy makers and other development practitioners
Gestion Additive Biens Publics Et Fourniture De L Lectricit Dans La R Gion De Bukavu Rd Congo
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Author : Di-Kuruba Dieudonné Muhinduka
language : fr
Publisher: Presses univ. de Louvain
Release Date : 2010-05
Gestion Additive Biens Publics Et Fourniture De L Lectricit Dans La R Gion De Bukavu Rd Congo written by Di-Kuruba Dieudonné Muhinduka and has been published by Presses univ. de Louvain this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-05 with Business & Economics categories.
Les pratiques peuvent-elles constituer une source de renouvellement des politiques publiques ? À partir du cas de l'électricité au Congo, cette étude démontre la capacité desdites pratiques à résoudre le problème crucial d'équité voire d’efficacité.
The Essential Wallerstein
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Author : Immanuel Maurice Wallerstein
language : en
Publisher:
Release Date : 2000
The Essential Wallerstein written by Immanuel Maurice Wallerstein and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2000 with Business & Economics categories.
This work draws upon the full range of Wallerstein's social scientific scholarship, from his research on contemporary African politics, to his study of the modern world-system and essays on the new structures of knowledge emerging from the crisis of the capitalist world-economy. His singular focus on the way in which change in one part of the globe affects the whole is all the more relevant as the world grows increasingly inter-dependant.
African Dynamics In A Multipolar World
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Author : Ulf Engel
language : en
Publisher: BRILL
Release Date : 2013-05-16
African Dynamics In A Multipolar World written by Ulf Engel and has been published by BRILL this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-05-16 with Social Science categories.
Fifty years after the foundation of the OAU and the consolidation of most African states and institutions, the international panorama and Africa’s position in it have changed considerably. The world's geopolitical and economic configuration has evolved, with new actors appearing in a new period of globalization. In tone with ECAS 2013, this volume proposes that the experiences appearing in Africa question dominant paradigms in terms of political practice and academic reflection and thus offer a clear challenge to the academic community. The volume offers clues to answer questions such as: What is the impact of the current processes of globalization for African countries and African citizens? How should African Studies be engaged to gauge African dynamics, both at a local and global level? What interdisciplinary means and tools should be brought in to produce an epistemologically relevant view (or narrative) of the issues under analysis?
Money And Capital In Economic Development
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Author : Ronald I. McKinnon
language : en
Publisher: Brookings Institution Press
Release Date : 2010-12-01
Money And Capital In Economic Development written by Ronald I. McKinnon and has been published by Brookings Institution Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-12-01 with Business & Economics categories.
This books presents a theory of economic development very different from the "stages of growth" hypothesis or strategies emphasizing foreign aid, trade, or regional association. Leaving these aside, the author breaks new ground by focusing on the use of domestic capital markets to stimulate economic performance. He suggests a "bootstrap" approach in which successful development would depend largely on policy choices made by national authorities in the developing countries themselves. Central to his theory is the freeing of domestic financial markets to allow interest rates to reflect the true scarcity of capital in a developing economy. His analysis leads to a critique of prevailing monetary theory and to a new view of the relation between money and physical capital—a view with policy implications for governments striving to overcome the vicious circle of inflation and stagnation. Examining the performance of South Korea, Taiwan, Brazil, and other countries, the author suggests that their success or failure has depended primarily on steps taken in the monetary sector. He concludes that monetary reform should take precedence over other development measures, such as tariff and tax reform or the encouragement of foreign capital investment. In addition to challenging much of the conventional wisdom of development, the author's revision of accepted monetary theory may be relevant for mature economies that face monetary problems.
Finance Against Poverty Volume 1
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Author : Hulme David
language : en
Publisher: Routledge
Release Date : 2005-08-12
Finance Against Poverty Volume 1 written by Hulme David and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2005-08-12 with Business & Economics categories.
In two volumes these books review and expand the theory that poverty in the world's poorest regions could be alleviated by providing small loans to micro-entrepreneurs. Volume 1 provides detailed analysis of this theory and offers policy recommendations for practitioners in this field. Volume 2 presents empirical evidence drawn from comparative experiences in seven developing countries. The work assesses the success of this policy and provides some startling conclusions. This is essential reading for all those interested in development, poverty-reduction, social welfare and finance.
Women At The Center
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Author : Helen Todd
language : en
Publisher: Routledge
Release Date : 2022-06-30
Women At The Center written by Helen Todd and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022-06-30 with categories.
The Grameen Bank of Bangladesh has successfully lent small sums to poor women for income generation. This empirical study examines the programme's long-term influence and argues that credit alone can create fundamental change, even in an environment distinctly hostile to women's autonomy.
Mining Society And A Sustainable World
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Author : Jeremy Richards
language : en
Publisher: Springer Science & Business Media
Release Date : 2009-09-18
Mining Society And A Sustainable World written by Jeremy Richards and has been published by Springer Science & Business Media this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009-09-18 with Science categories.
This is the first book of peer-reviewed, edited papers that examines the minerals industry in relation to sustainable development. The book takes a proactive, positivist, and solution-oriented approach, while not shying away from the fundamental problems.