文章基本信息

标题：Group loans repayment problems of women borrowers
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作者：Umara Noreen ; M. Iqbal Saif
期刊名称：African Journal of Business Management
印刷版ISSN：1993-8233
出版年度：2013
卷号：7
期号：38
页码：3886-3894
DOI：10.5897/AJBM10.177
语种：English
出版社：Academic Journals
摘要：Economic growth and development is a dream without having well focused and effective strategies to eradicate poverty through extending credits to women. The mobilization of funds comes directly from the participant’s savings and therefore the use of funds is under group scrutiny. This paper aims to examine the repayment problems of women borrowers of microfinance. A sample of 100 respondents comprising 20 groups were interviewed. The groups utilize self-selection of members so that a strong degree of promise, trust and consent exists among members Limited amount of loan and procedural hurdles were found to be the two major problems in group loans. The strengthened social ties and trust in groups reduce the repayment problems to a large extent. In addition, the study noted that groups that were formed by the borrowers themselves had less repayment problems. Surprisingly, group members belonging to different levels of education and income groups had lesser repayment problems. The present study therefore recommends that microfinance institutions in targeting the women should improve and smoothen the loaning procedure, extend higher credit limits to socially heterogeneous groups.
关键词：Social ties; trust; repayment problems; self-selection