论文标题
孟加拉国豪尔地区的贫困循环 - 正式和非正式信用的影响
Vicious Cycle of Poverty in Haor Region of Bangladesh- Impact of Formal and Informal Credits
论文作者
论文摘要
这项研究试图探索有关孟加拉国豪尔地区不同微列表计划的关键研究问题？而且，微列表计划在选定的社会指标方面对客户的生计有积极的影响。孟加拉国海尔地区的收入，消费，资产，净资产，教育，获得资金，社会能力，粮食安全和处理袜子等？利用差异差异和因素分析，我们探索了孟加拉国豪尔地区可用正式和非正式微观信贷条件的性质和条款；并调查微观信贷对孟加拉国豪尔人贫困状况的影响。调查结果表明，借款人的总收入与非借款人相比已大幅增加（Z = 6.75）。在收入的组成部分中，非农业收入的另一方面因劳动销售收入而大大增加了。在2016 - 2019年期间，正式借款人和非正式借款人的食品和非食品消费量的总消费支出与非正式借款人的非食品消费量大大增加了。大多数关键的线人都同意，这些发现与Haor地区的微观学分的普遍状况非常一致。但是，其中一些提出了有关微观学分的影响的问题。他们认为，微观信贷对家庭贫困状况没有直接的积极影响。
This research attempts to explore the key research questions about what are the different microcredit programs in Haor area in Bangladesh? And do microcredit programs have a positive impact on livelihoods of the clients in terms of selected social indicators viz. income, consumption, assets, net worth, education, access to finance, social capacity, food security and handling socks etc. in Haor area in Bangladesh? Utilizing difference-in-difference and factor analysis, we explore the nature and terms of conditions of available formal and informal micro-creditss in Haor region of Bangladesh; and investigate the impact of micro-creditss on the poverty condition of Haor people in Bangladesh. The findings showed that total income of borrowers has been increased over non-borrowers (z=6.75) significantly. Among the components of income, non-agricultural income has been increased significantly on the other hand income from labor sale has been decreased significantly. Total consumption expenditure with its heads of food and non-food consumption of both formal borrowers and informal borrowers have been increased over the period 2016-2019 significantly. Most of the key informants agreed that the findings are very much consistent with prevailing condition of micro-credits in Haor region. However, some of them raised question about the impacts of micro-credits. They argued that there is no straightforward positive impact of micro-credits on poverty condition of the households.
