小额信贷对农村家庭减贫和福利的影响：来自巴基斯坦和中国的经验证据

发布时间：2022-02-26 08:22

　　小额信贷已被广泛用作减贫工具。在各个国家中,中国也采用小额信贷,特别是农村减贫,不同的农村小额贷款银行在减贫领域开展业务。本研究评估了中国陕西省农村家庭小额信贷可及性的决定因素。因此,本文通过预先测试的问卷对389户户主进行面对面访谈收集原始数据,并采用logistic回归模型来确定影响农村家庭小额信贷可及性的因素。调查结果显示,性别,教育和收入对农村家庭小额信贷可及性具有显著正向影响,而年龄,职业,家庭规模和家庭与小额信贷银行的距离对农村家庭小额信贷可及性具有显著负向影响。在研究区域,距离银行较远、低教育水平和低收入被认为是家庭能够获得小额信贷的主要制约因素。该研究建议在抵押和偿还方面采取灵活的小额信贷政策,以增加农村妇女、贫困家庭、农业社区和大规模家庭的小额信贷可及性,从而通过增加投资机会有效减少农村贫困。贫困是全球性的威胁,巴基斯坦也不例外。根据人口比例,巴基斯坦大约有22%的人口生活在贫困线以下。小额信贷计划已成为解决巴基斯坦等国家贫困问题的重要工具。它使人们有机会获得生计来源,帮助他们过上有自尊的生活,减少他们的金融剥削。这项研究分析了小额信贷如何帮助巴基斯坦减少贫困。基于二... 

【文章来源】：西北农林科技大学陕西省211工程院校985工程院校教育部直属院校

【文章页数】：101 页

【学位级别】：博士

【文章目录】：
摘要
ABSTRACT
CHAPTER1 INTRODUCTION
    1.1 BACKGROUND
    1.2 OVERVIEW OF MICROFINANCE IN PAKISTAN& CHINA
        1.2.1 Microfinance in Pakistan
        1.2.2 Microfinance in China
    1.3 PROBLEM STATEMENT
    1.4 RESEARCH OBJECTIVES
    1.5 CONTRIBUTION OF THIS RESEARCH
CHAPTER2 REVIEW OF LITERATURE
    2.1 MICRO-CREDIT:CONCEPT AND FEATURES
    2.2 FACTORS AFFECTING CREDIT ACCESSIBILITY AND MODELING TECHNIQUES
    2.3 IMPACTS OF MICROCREDIT ON THE LIVELIHOODS OF THE POOR
    2.4 WELFARE IMPACT OF MICROCREDIT AT HOUSEHOLD LEVEL
    2.5 EMPOWERMENT IMPACT OF MICROCREDIT ON WOMEN
        2.5.1 Process-based impact studies
        2.5.2 Outcome-based impact studies
CHAPTER3 MATERIALS AND METHODS
    3.1 DATA COLLECTION
        3.1.1 Data Collection from Pakistan
    3.2 DATA COLLECTION FROM CHINA
        3.2.1 Empirical modelling
    3.3 SAMPLE SIZE
    3.4 ECONOMETRICS TECHNIQUE
        3.4.1 The Econometric technique used to achieve the said objectives are as follows:
CHAPTER4 WHAT DETERMINES ACCESSIBILITY TO MICROCREDIT AMONG THE RURAL HOUSEHOLDS?EMPIRICAL EVIDENCE FROM CHINA
    4.1 INTRODUCTION
    4.2 MATERIAL AND METHODS
        4.2.1 Study area description
        4.2.2 Sampling and data collection
        4.2.3 Empirical modelling
        4.2.4 Description of dependent and independent variables
    4.3 RESULTS AND DISCUSSION
        4.3.1 Demographic and socioeconomic characteristics
        4.3.2 Determinants of rural households’microcredit accessibility
        4.3.3 Sex
        4.3.4 Age
        4.3.5 Educational status
        4.3.6 Occupation
        4.3.7 Household size
        4.3.8 Household Income
        4.3.9 Distance to microfinance bank
    4.4 CONCLUSION AND SUGGESTIONS
CHAPTER5 MICROFINANCE AND POVERTY REDUCTION:NEW EVIDENCE FROM PAKISTAN
    5.1 INTRODUCTION
        5.1.1 Path to microfinance commercialization
    5.2 MATERIAL AND METHODS
        5.2.1 Indicators of poverty
        5.2.2 Active borrowers
        5.2.3 Sex-wise borrowers
        5.2.4 Area-wise borrowers
        5.2.5 Sector-wise borrowers
        5.2.6 Lending methodology
        5.2.7 Model specification
    5.3 RESULTS AND DISCUSSION
    5.4 CONCLUSION
CHAPTER6 MICROCREDIT USE IS BENEFICIAL FOR HOUSEHOLD INCOME IN RURAL AREAS OF CHINA
    6.1 INTRODUCTION
    6.2 MATERIALS AND METHODS
        6.2.1 Population and sample
        6.2.2 Data collection
        6.2.3 Statistical analysis
    6.3 RESULTS
    6.4 DISCUSSION
    6.5 CONCLUSIONS AND IMPLICATIONS
CHAPTER7 CONCLUSION AND RECOMMENDATION
REFERENCE
ACKNOWLEDGEMENT
AUTHOR RESUME
List of Publications



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