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on Microfinance |
| By: | Diraja, Mahdy Hendra; Dona, Elva |
| Abstract: | This study aims to evaluate the procedure for providing microcredit creations at PT. Pegadaian Alai Service Unit (Persero). The subjects of this research are employees and managers of PT. Pegadaian Alai Service Unit (Persero). Data collected by interview and documentation methods were then analyzed by descriptive analysis. The results of the research show that the provision of creative micro credit which is determined by PT. The Pegadaian Siteba Service Unit (Persero) has been well implemented, starting from submitting credit applications, checking guarantee documents, conducting surveys, reviewing credit documents, to disbursing credit. |
| Date: | 2023–05–15 |
| URL: | http://d.repec.org/n?u=RePEc:osf:osfxxx:h4yr6&r=mfd |
| By: | Tasirileleu, Nelsika; Susanto, Romi |
| Abstract: | PT Pegadaian (Persero) is one of the BUMNs in Indonesia in carrying out financial institution activities in the form of financing in the form of channeling funds to the public on the basis of pawn law. PT. Pegadaian (Persero) Cabang Terandam is micro-creation with installment loan terms ranging from 12 months, 24 months or 36 months. Relatively cheap capital leases are only 1% per month or 12% per year. Pegadaian (Persero) Terandam Branch. The results of the study show that micro credit creation by customers is not burdened with complicated procedures, starting from the credit application stage by submitting the required documents, checking the original documents, analyzing credit and disbursing it. The purpose of this credit granting procedure is to ensure the eligibility of a credit, also in the implementation of credit can be controlled and able to prevent the occurrence of unhealthy credit. |
| Date: | 2023–05–10 |
| URL: | http://d.repec.org/n?u=RePEc:osf:osfxxx:m9482&r=mfd |
| By: | Zelu, Barbara Ama; Iranzo, Susana; Pérez Laborda, Alejandro |
| Abstract: | Although the impact of micro-credit and direct cash transfers on women economic empowerment has been extensively studied. The impact of just having either a formal or informal bank account remains relatively understudied. This paper uses a detailed national representative data of female household heads in Ghana to analyze how having a formal and informal bank account economically empowers women. Using propensity score matching, our results elicit that having a bank account encourages women to be employed and also increases their per capita income. The results also indicate that, the level of education and sector of employment positively contributes to women’s economic empowerment. Additionally, the result reveal that female household heads living in the cities are more economically empowered than their counterpart living in the rural areas. Keywords: Financial Inclusion · Women Economic Empowerment · Gender Equality · Ghana Jel Codes : D14, D63, G21, G22, O12, O16 |
| Keywords: | Dones-Condicions econòmiques, Ghana, 331 - Treball. Relacions laborals. Ocupació. Organització del treball, |
| Date: | 2022 |
| URL: | http://d.repec.org/n?u=RePEc:urv:wpaper:2072/535075&r=mfd |
| By: | Dunia Mastaki Jean (Google-AIPG - FINP - Fonds Google–AIPG pour l’Innovation Numérique de la presse – FINP) |
| Abstract: | L'une des missions des institutions de micro finances est de promouvoir les conditions de vie de leurs membres en utilisant l'épargne que les banques affectent aux besoins de crédit surtout à la population à faible revenu. Il serait important que la politique de crédit soit bien étudiée par les IMF d'autant plus que celle –ci constitue l'une des sources de développement du pays.Nous avons voulu voir si les services de micro finances offert par PAIDEK sont accessibles aux peuples de Goma qui n'ont pas accès aux services financiers des banques commerciales et vérifier si les crédits octroyés aux membres de PAIDEK contribuent à l'amélioration des conditions de vie de ses membres bénéficiaires.Pour essayer de vérifier nos hypothèses, nous avons fait recours aux méthodes et techniques basées sur l'observation, la statistique, la documentation et le questionnaire.Pour y parvenir nous avons administré un questionnaire d'enquête à 90 membres de PAIDEK S.A. Agence de Goma. Les résultats ont révélé que 91, 1% des enquêtes apprécie les services rendus par PAIDEK et 96, 7% enquêtes atteste leur satisfaction sur le plan socio-économique. Sur base de ses résultats nous pouvons affirmer que la contribution de crédit a été significative |
| Date: | 2022–09–30 |
| URL: | http://d.repec.org/n?u=RePEc:hal:journl:hal-04003921&r=mfd |