Microentrepreneurs And The Next Stage In Microenterprise Finance
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Microentrepreneurs And The Next Stage In Microenterprise Finance
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Author : Derek Allen Young
language : en
Publisher:
Release Date : 1996
Microentrepreneurs And The Next Stage In Microenterprise Finance written by Derek Allen Young and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1996 with Small business categories.
Returns To Capital In Microenterprises Evidence From A Field Experiment
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Author : Christopher Woodruff, David McKenzie, Suresh de Mel
language : en
Publisher: World Bank Publications
Release Date : 2007
Returns To Capital In Microenterprises Evidence From A Field Experiment written by Christopher Woodruff, David McKenzie, Suresh de Mel and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007 with categories.
Abstract: Small and informal firms account for a large share of employment in developing countries. The rapid expansion of microfinance services is based on the belief that these firms have productive investment opportunities and can enjoy high returns to capital if given the opportunity. However, measuring the return to capital is complicated by unobserved factors such as entrepreneurial ability and demand shocks, which are likely to be correlated with capital stock. The authors use a randomized experiment to overcome this problem and to measure the return to capital for the average microenterprise in their sample, regardless of whether they apply for credit. They accomplish this by providing cash and equipment grants to small firms in Sri Lanka, and measuring the increase in profits arising from this exogenous (positive) shock to capital stock. After controlling for possible spillover effects, the authors find the average real return to capital to be 5.7 percent a month, substantially higher than the market interest rate. They then examine the heterogeneity of treatment effects to explore whether missing credit markets or missing insurance markets are the most likely cause of the high returns. Returns are found to vary with entrepreneurial ability and with measures of other sources of cash within the household, but not to vary with risk aversion or uncertainty.
Boosting Microenterprise Growth The Importance Of Human Capital And Microentrepreneurs Characteristics
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Author : Leon Freytag von Loringhoven
language : en
Publisher: GRIN Verlag
Release Date : 2016-05-23
Boosting Microenterprise Growth The Importance Of Human Capital And Microentrepreneurs Characteristics written by Leon Freytag von Loringhoven and has been published by GRIN Verlag this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-05-23 with Business & Economics categories.
Project Report from the year 2016 in the subject Economics - Economic Cycle and Growth, grade: 1,0, Quest University Canada, language: English, abstract: Our study, despite general doubts, aims to deliver answers to how exactly growth of microenterprises is possible. Our proposed experiment combines different aspects of recent studies that found positive effects on growth. We thus want to set our study in the context of a larger, new strategy in development economics, proposed by Banerjee and Duflo in “Poor Economics”: “the accumulation of a set of small steps, each well thought out, carefully tested, and judiciously implemented”. Through a global economic perspective, it is striking that some countries are very rich and some countries are very poor. In order for poor countries to catch up, their economies have to grow. This growth can be generated through foreign companies in developing countries or firms run by local elites. However, these comprise the dangers of profits not staying in the country and of strengthening corrupt of oppressing elites. An alternative way lies in the generation of growth of very small enterprises. The incomes they generate are more likely to reach the poorer part of the population (e.g. by creating employment) or to be reinvested generating further growth than when money flows to local elites or abroad. We thus see the generation of growth for microenterprises as crucial in terms of the economic development and alleviation of poverty in poor countries. However, we agree with Easterly, that it is wrong to ask “the question of what the end of poverty requires” (Easterly, 2006, p. 11). Instead, it is important to look at more concrete problems and find ways to solve them. We see growth of microenterprises as one of such problems, as it is inhibited by a number of constraints. Some researchers even raise “doubts that microenterprises can generate general economic growth” (Fiala, 2013). Even the young, widely implemented phenomenon of microfinance has not changed much in terms of growth. In Poor Economics, Banerjee and Duflo write about microfinance: “”We cannot count on it to be a stepping-stone for larger business to be created”, and that this would be “the next big challenge for finance in developing countries” (Banerjee & Duflo, 2012).
The New World Of Microenterprise Finance
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Author : María Otero
language : en
Publisher:
Release Date : 1994
The New World Of Microenterprise Finance written by María Otero and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1994 with Business & Economics categories.
Introducing a new direction for microenterprise finance, contributors argue that one can create sustainable and viable financial institutions that give the poor greater access to financial services. Covering Asia, Africa, and Latin America, the cases outline successful programs such as: the Bank Rakyat Indonesia (BRI); BancoSol in Bolivia; the Association of Solidarity Groups in Colombia; and the Kenya Rural Enterprise Programme.
Microfinance In Russia
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Author : Sylvie K. Bossoutrot
language : en
Publisher: World Bank Publications
Release Date : 2005-10-18
Microfinance In Russia written by Sylvie K. Bossoutrot and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2005-10-18 with Business & Economics categories.
In Russia, small-scale entrepreneurship has emerged in response to the collapse of state-ownership and unemployment in the early 1990s. Small businesses typically lack adequate collateral and credit history, making them 'unbankable' by the mainstream financial sector. To fund their businesses, micro-entrepreneurs are forced to rely on funds from family and friends, or money lenders. Microfinance institutions of four types have emerged to meet the unfulfilled financing needs of micro-entrepreneurs: commercial banks, specialized NGO-type microfinance institutions, membership-based institutions (such as rural cooperatives and credits unions), and public funds. All four types have enjoyed significant growth in Russia in the past five years, but the industry is still at an early stage of development. Demand appears to far outweigh supply. 'Microfinance in Russia' provides an overview of microfinance in Russia to date, presenting industry trends and identifying key challenges to sustainable growth of the industry.
Bootstrap Capital
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Author : Lisa J. Servon
language : en
Publisher: Brookings Institution Press
Release Date : 2011-07-01
Bootstrap Capital written by Lisa J. Servon 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 2011-07-01 with Business & Economics categories.
The microenterprise strategy—helping people start small businesses—has generated attention among policymakers and the media as a way to create jobs and help lift people out of poverty. Through extensive interviews and case studies of five diverse microenterprise programs in different U.S. regions, Lisa J. Servon examines the potential and limits of these programs. In the late 1980s, the microenterprise strategy came to the United States from less-developed countries such as Bangladesh, where the Grameen Bank flourishes. Since then over 200 programs have opened their doors in nearly every state. This book identifies the current discourse on microenterprises, discusses how this approach represents a departure from traditional economic development and social welfare strategies, and examines the wide range of results. Boot strap Capital tells the story of both the programs and the people who use them. One program, Women's Initiative, targets very low income women in the San Francisco Bay Area and requires all clients to undergo three months of training before they can apply for a loan. Some of the participants are true entrepreneurs; others pursue self-employment because the mainstream economy has failed them. Servon finds that microenterprise programs combat the problem of persistent poverty by serving a broad socioeconomic group and by focusing on the goals of empowerment, economic literacy, and community organization. She shows that microenterprise programs do more to help those who exist at the margins of the mainstream economy than those who are completely cut off from it. She calls for a rethinking of expectations for this strategy, based on the experience of programs and entrepreneurs in this country. This book provides the basis for reframing policy support for these programs.
Micro Entrepreneurs Financial And Digital Competences During The Pandemic In Italy
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Author : Alessio D'Ignazio
language : en
Publisher:
Release Date : 2022
Micro Entrepreneurs Financial And Digital Competences During The Pandemic In Italy written by Alessio D'Ignazio and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022 with categories.
Growth And Dynamics Of Small And Microenterprises
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Author : Ma. Lucila A. Lapar
language : en
Publisher:
Release Date : 1991
Growth And Dynamics Of Small And Microenterprises written by Ma. Lucila A. Lapar and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1991 with Family-owned business enterprises categories.
Microfinance In Russia
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Author : Sylvie K. Bossoutrot
language : en
Publisher: World Bank Publications
Release Date : 2005
Microfinance In Russia written by Sylvie K. Bossoutrot and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2005 with Business & Economics categories.
In Russia, small-scale entrepreneurship has emerged in response to the collapse of state-ownership and unemployment in the early 1990s. Small businesses typically lack adequate collateral and credit history, making them 'unbankable' by the mainstream financial sector. To fund their businesses, micro-entrepreneurs are forced to rely on funds from family and friends, or money lenders. Microfinance institutions of four types have emerged to meet the unfulfilled financing needs of micro-entrepreneurs: commercial banks, specialized NGO-type microfinance institutions, membership-based institutions (such as rural cooperatives and credits unions), and public funds. All four types have enjoyed significant growth in Russia in the past five years, but the industry is still at an early stage of development. Demand appears to far outweigh supply. 'Microfinance in Russia' provides an overview of microfinance in Russia to date, presenting industry trends and identifying key challenges to sustainable growth of the industry.
Kitchen Capitalism
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Author : Margaret Sherrard Sherraden
language : en
Publisher: State University of New York Press
Release Date : 2012-02-01
Kitchen Capitalism written by Margaret Sherrard Sherraden and has been published by State University of New York Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-02-01 with Social Science categories.
Businesses come to life as owners are allowed to speak in their own words in this first in-depth examination of self-employment told from the perspectives of low-income microentrepreneurs. The book systematically analyzes a range of issues, including who chooses to open a micro business, and why; what resources do they bring to their business venture; how well will their venture fare; and what contributes to the growth or decline of their business. The authors conclude that most microentrepreneurs believe self-employment offers a range of monetary and nonmonetary benefits and argue it would be more advantageous to view microenterprise as a social and economic development strategy rather than simply as an anti-poverty strategy. Based on this observation, a range of strategies to better promote microenterprise programs among the poor is advanced, with the goal of targeting the most promising approaches.